ANNUAL NOTICE OF CHANGES

Transcription

1 VANTAGE MEDICARE ADVANTAGE 2017 ANNUAL NOTICE OF CHANGES and EVIDENCE OF COVERAGE Your Medicare Health Benefits and Services as a Member of Vantage Health Plan, Inc. CONTACT MEMBER SERVICES Local: (318) Toll-Free: (866) (888) TTY Local: (318) Vantage Medicare Advantage Zero Premium (HMO-POS) January 1, 2017 December 31, 2017 TTY Toll-Free: (866) Call seven days a week 8:00 A.M. - 8:00 P.M. CST. This booklet gives the details about your Medicare health coverage and explains how to get the care you need. This booklet is an important legal document. Please keep it in a safe place. After February 14, 2017, Monday - Friday 8:00 A.M. - 8:00 P.M. CST. An answering service will operate on weekends and holidays. VHP

2 Vantage Medicare Advantage ZERO Premium (HMO-POS) offered by Vantage Health Plan, Inc. Annual Notice of Changes for 2017 You are currently enrolled as a member of Vantage Medicare Advantage ZERO Premium (HMO-POS). Next year, there will be some changes to the plan s costs and benefits. This booklet tells about the changes. You have from October 15 until December 7 to make changes to your Medicare coverage for next year. Enrollment forms must be received by OGB by December 7, 2015 to ensure proper deduction of plan premiums from your January retirement check. Additional Resources Member Services has free language interpreter services available for non-english speakers (phone numbers are in Section 7.1 of this booklet). You may choose to enroll in Vantage s Digital Documents program. This program allows you to access your Vantage plan documents, including this Evidence of Coverage, via the Vantage website instead of traditional paper booklets. You can view the Evidence of Coverage at or or download it from the website. You may opt out of the Digital Documents program at any time and request copies of your documents by contacting Member Services at the phone number on the back cover of this booklet. In addition to the digital format, we can also give you this information in large print. Minimum essential coverage (MEC): Coverage under this Plan qualifies as minimum essential coverage (MEC) and satisfies the Patient Protection and Affordable Care Act s (ACA) individual shared responsibility requirement. Please visit the Internal Revenue Service (IRS) website at: Families for more information on the individual requirement for MEC. About Vantage Medicare Advantage ZERO Premium (HMO-POS) Vantage Health Plan, Inc. (Vantage) is an HMO with a Medicare contract. Enrollment in Vantage depends on contract renewal. When this booklet says we, us, or our, it means Vantage Health Plan, Inc. When it says plan or our plan, it means Vantage Medicare Advantage ZERO Premium (HMO-POS). Form CMS ANOC/EOC OMB Approval (Approved 03/2014)

3 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Think about Your Medicare Coverage for Next Year Each fall, Medicare allows you to change your Medicare health and drug coverage during the Annual Enrollment Period. It is important to review your coverage now to make sure it will meet your needs next year. Important things to do: Check the changes to our benefits and costs to see if they affect you. Do the changes affect the services you use? It is important to review benefit and cost changes to make sure they will work for you next year. Look in Sections 1.2 and 1.5 for information about benefit and cost changes for our plan. Check the changes to our prescription drug coverage to see if they affect you. Will your drugs be covered? Are they in a different tier? Can you continue to use the same pharmacies? It is important to review the changes to make sure our drug coverage will work for you next year. Look in Section 1.6 for information about changes to our drug coverage. Check to see if your doctors and other providers will be in our network next year. Are your doctors in our network? What about the hospitals or other providers you use? Look in Section 1.3 for information about our Provider Directory. Think about your overall health care costs. How much will you spend out-of-pocket for the services and prescription drugs you use regularly? How much will you spend on your premium? How do the total costs compare to other Medicare coverage options? Think about whether you are happy with our plan. If you decide to stay with Vantage Medicare Advantage ZERO Premium (HMO- POS): If you want to stay with us next year, it is easy - you do not need to do anything. If you decide to change plans: If you decide other coverage will better meet your needs, you can switch until November 15, 2016 for OGB-sponsored standard plans and between October 15, 2016 and December 7, 2016 for OGB-sponsored Medicare Advantage plans. Enrollment forms must be received by OGB by December 7, 2016 to ensure proper deduction of plan premiums from your January

4 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for retirement check. If you enroll in a new plan, your new coverage will begin on January 1, Look in Section 3.2 to learn more about your choices. Summary of Important Costs for 2017 The table below compares the 2016 costs and 2017 costs for Vantage Medicare Advantage ZERO Premium (HMO-POS) in several important areas. Please note this is only a summary of changes. It is important to read the rest of this Annual Notice of Changes and review the attached Evidence of Coverage to see if other benefit or cost changes affect you. Cost 2016 (this year) 2017 (next year) Monthly plan premium* * Your premium may be higher or lower than this amount. See Section 1.1 for details. Maximum out-of-pocket amount This is the most you will pay out-of-pocket for your covered Part A and Part B services. (See Section 1.2 for details.) $0.00 $0.00 $6,700 $6,700 Doctor office visits Medical home primary care visits: $5 per visit for Affinity Health Network (AHN) providers. Standard network medical home primary care visits: $15 per visit Specialist visits: $40 per visit for Affinity Health Network (AHN) providers. Standard network specialist visits: $50 per visit Medical home - primary care visits: $5 per visit for Affinity Health Network (AHN) providers. Standard network medical home primary care visits: $15 per visit Specialist visits: $40 per visit for Affinity Health Network (AHN) providers. Standard network specialist visits: $50 per visit

5 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Cost 2016 (this year) 2017 (next year) Inpatient hospital stays Includes inpatient acute, inpatient rehabilitation, longterm care hospitals and other types of inpatient hospital services. Inpatient hospital care starts the day you are formally admitted to the hospital with a doctor s order. The day before you are discharged is your last inpatient day. Affinity Health Network (AHN) providers: Days 1-5: $200 copayment per day Days 6-90: $0 copayment per day Standard network: Days 1-5: $345 copayment per day Days 6-90: $0 copayment per day Affinity Health Network (AHN) providers: Days 1-5: $200 copayment per day Days 6-90: $0 copayment per day Standard network: Days 1-5: $345 copayment per day Days 6-90: $0 copayment per day

6 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Cost 2016 (this year) 2017 (next year) Part D prescription drug coverage (See Sections 1.6 and 2 for details.) Deductible: $125 deductible on Tiers 4 and 5 only Copayments/Coinsurance during the Initial Coverage Stage: RETAIL: Drug Tier 1: $4 copayment Drug Tier 2: $10 copayment Drug Tier 3: $47 copayment Drug Tier 4: $100 copayment Drug Tier 5: 25% coinsurance MAIL ORDER: Drug Tier 1: $0 copayment for preferred mail order pharmacy (Saint John Pharmacy) 90-day supply; $12 copayment for any other authorized mail order pharmacy Drug Tier 2: $30 copayment Drug Tier 3: $141 copayment Drug Tier 4: $300 copayment Drug Tier 5: 25% coinsurance (31-day supply) Deductible: $125 deductible on Tiers 4 and 5 only Copayments/Coinsurance during the Initial Coverage Stage: RETAIL: Drug Tier 1: $4 copayment Drug Tier 2: $10 copayment Drug Tier 3: $47 copayment Drug Tier 4: $100 copayment Drug Tier 5: 25% coinsurance MAIL ORDER: Drug Tier 1: $0 copayment for preferred mail order pharmacy (Saint John Pharmacy) 90-day supply; $12 copayment for any other authorized mail order pharmacy Drug Tier 2: $30 copayment Drug Tier 3: $141 copayment Drug Tier 4: $300 copayment Drug Tier 5: 25% coinsurance (31-day supply)

7 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Annual Notice of Changes for 2017 Table of Contents Think about Your Medicare Coverage for Next Year...1 Summary of Important Costs for SECTION 1 Changes to Benefits and Costs for Next Year...6 Section 1.1 Changes to the Monthly Premium...6 Section 1.2 Changes to Your Maximum Out-of-Pocket Amount...6 Section 1.3 Changes to the Provider Network...7 Section 1.4 Changes to the Pharmacy Network...7 Section 1.5 Changes to Benefits and Costs for Medical Services...8 Section 1.6 Changes to Part D Prescription Drug Coverage...8 SECTION 2 Deciding Which Plan to Choose Section 2.1 If you want to stay in Vantage Medicare Advantage ZERO Premium (HMO-POS)...11 Section 2.2 If you want to change plans...11 SECTION 3 Deadline for Changing Plans SECTION 4 Programs That Offer Free Counseling about Medicare SECTION 5 Programs That Help Pay for Prescription Drugs SECTION 6 Questions? Section 6.1 Getting Help from Vantage Medicare Advantage ZERO Premium (HMO- POS)...14 Section 6.2 Getting Help from Medicare...14

8 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for SECTION 1 Changes to Benefits and Costs for Next Year Section 1.1 Changes to the Monthly Premium Cost 2016 (this year) 2017 (next year) Monthly premium (You must also continue to pay your Medicare Part B premium.) $0.00 $0.00 For single coverage Your monthly plan premium will be more if you are required to pay a lifetime Part D late enrollment penalty for going without other drug coverage that is at least as good as Medicare drug coverage (also referred to as creditable coverage ) for 63 days or more. If you have a higher income, you may have to pay an additional amount each month directly to the government for your Medicare prescription drug coverage. Your monthly premium will be less if you are receiving Extra Help with your prescription drug costs. Section 1.2 Changes to Your Maximum Out-of-Pocket Amount To protect you, Medicare requires all health plans to limit how much you pay out-of-pocket during the year. This limit is called the maximum out-of-pocket amount. Once you reach this amount, you generally pay nothing for covered Part A and Part B services for the rest of the year. Cost 2016 (this year) 2017 (next year) Maximum out-of-pocket amount Your costs for covered medical services (such as copayments) count toward your maximum outof-pocket amount. Your costs for prescription drugs do not count toward your maximum out-ofpocket amount. $6,700 Once you have paid $6,700 out-of-pocket for covered Part A and Part B services, you will pay nothing for your covered Part A and Part B services for the rest of the calendar year. $6,700 Once you have paid $6,700 out-of-pocket for covered Part A and Part B services, you will pay nothing for your covered Part A and Part B services for the rest of the calendar year.

9 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Section 1.3 Changes to the Provider Network There are changes to our network of providers for next year. An updated Provider Directory, which includes the Affinity Health Network, is located on our websites at or You may also call Member Services for updated provider information or to ask us to mail you a Provider Directory. Please review the 2017 Provider Directory to see if your providers (medical home - primary care provider, specialists, hospitals, etc.) are in our network. It is important that you know that we may make changes to the hospitals, doctors and specialists (providers) that are part of your plan during the year. There are a number of reasons why your provider might leave your plan but if your doctor or specialist does leave your plan you have certain rights and protections summarized below: Even though our network of providers may change during the year, Medicare requires that we furnish you with uninterrupted access to qualified doctors and specialists. When possible we will provide you with at least 30 days notice that your provider is leaving our plan so that you have time to select a new provider. We will assist you in selecting a new qualified provider to continue managing your health care needs. If you are undergoing medical treatment you have the right to request, and we will work with you to ensure, that the medically necessary treatment you are receiving is not interrupted. If you believe we have not furnished you with a qualified provider to replace your previous provider or that your care is not being appropriately managed you have the right to file an appeal of our decision. If you find out your doctor or specialist is leaving your plan please contact us so we can assist you in finding a new provider and managing your care. Section 1.4 Changes to the Pharmacy Network Amounts you pay for your prescription drugs may depend on which pharmacy you use. Medicare drug plans have a network of pharmacies. In most cases, your prescriptions are covered only if they are filled at one of our network pharmacies. There are changes to our network of pharmacies for next year. An updated Pharmacy Directory is located on our websites at or You may also call Member Services for updated provider information or to ask us to mail you a Pharmacy Directory. Please review the 2017 Pharmacy Directory to see which pharmacies are in our network.

10 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Section 1.5 Changes to Benefits and Costs for Medical Services We are changing our coverage for certain medical services next year. The information below describes these changes. For details about the coverage and costs for these services, see Chapter 4, Medical Benefits Chart (what is covered and what you pay), in your 2017 Evidence of Coverage. Cost 2016 (this year) 2017 (next year) Over-the-Counter (OTC) Items Not covered You pay a $0 copayment for $45 per quarter of select OTC items Transportation Not covered You pay a $0 copayment for 12 one-way nonemergent trips per year with Vantage-approved transportation Section 1.6 Changes to Part D Prescription Drug Coverage Changes to Our Drug List Our list of covered drugs is called a Formulary or Drug List. A copy of our Drug List is in this envelope. We made changes to our Drug List, including changes to the drugs we cover and changes to the restrictions that apply to our coverage for certain drugs. Review the Drug List to make sure your drugs will be covered next year and to see if there will be any restrictions. If you are affected by a change in drug coverage, you can: Work with your doctor (or other prescriber) and ask the plan to make an exception to cover the drug. o To learn what you must do to ask for an exception, see Chapter 9 of your Evidence of Coverage (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)) or call Member Services. Work with your doctor (or other prescriber) to find a different drug that we cover. You can call Member Services to ask for a list of covered drugs that treat the same medical condition. In some situations, we are required to cover a one-time, temporary supply of a non-formulary drug in the first 90 days of coverage of the plan year or coverage. (To learn more about when you can get a temporary supply and how to ask for one, see Chapter 5, Section 5.2 of the

11 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Evidence of Coverage.) During the time when you are getting a temporary supply of a drug, you should talk with your doctor to decide what to do when your temporary supply runs out. You can either switch to a different drug covered by the plan or ask the plan to make an exception for you and cover your current drug. If you received approval for a formulary or tiering exception request during the previous plan year, coverage for the drug approved under that exception will continue until the end of the plan year. You will need to submit a new formulary or tiering exception request to continue coverage for the drug for the 2017 plan year when the previously approved exception ends. Changes to Prescription Drug Costs Note: If you are in a program that helps pay for your drugs ( Extra Help ), the information about costs for Part D prescription drugs may not apply to you. We have included a separate insert, called the Evidence of Coverage Rider for People Who Get Extra Help Paying for Prescription Drugs (also called the Low Income Subsidy Rider or the LIS Rider ), which tells you about your drug costs. If you get Extra Help and did not receive this insert with this packet, please call Member Services and ask for the LIS Rider. Phone numbers for Member Services are in Section 7.1 of this booklet. There are four drug payment stages. How much you pay for a Part D drug depends on which drug payment stage you are in. (You can look in Chapter 6, Section 2 of your Evidence of Coverage for more information about the stages.) The information below shows the changes for next year to the first two stages the Yearly Deductible Stage and the Initial Coverage Stage. (Most members do not reach the other two stages the Coverage Gap Stage or the Catastrophic Coverage Stage. To get information about your costs in these stages, look at Chapter 6, Sections 6 and 7, in the attached Evidence of Coverage.) Changes to the Deductible Stage Stage 2016 (this year) 2017 (next year) Stage 1: Yearly Deductible Stage During this stage, you pay the full cost of your Tier 4 and Tier 5 drugs until you have reached the yearly deductible. The deductible is $125 on Tiers 4 and 5 only. The deductible is $125 on Tiers 4 and 5 only.

12 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Changes to Your Cost-sharing in the Initial Coverage Stage To learn how copayments and coinsurance work, look at Chapter 6, Section 1.2, Types of out-ofpocket costs you may pay for covered drugs in your Evidence of Coverage. Stage 2016 (this year) 2017 (next year) Stage 2: Initial Coverage Stage Once you pay the yearly deductible, you move to the Initial Coverage Stage. During this stage, the plan pays its share of the cost of your drugs and you pay your share of the cost. The costs in this row are for a one-month (31-day) supply when you fill your prescription at a network pharmacy that provides standard cost-sharing. For information about the costs for a long-term supply; at a network pharmacy that offers preferred cost-sharing; or for mail-order prescriptions, look in Chapter 6, Section 5 of your Evidence of Coverage. We changed the tier for some of the drugs on our Drug List. To see if your drugs will be in a different tier, look them up on the Drug List. Your cost for a one-month supply filled at a network pharmacy with standard cost-sharing: Preferred Generic drugs: You pay $4 per prescription. Generic drugs: You pay $10 per prescription. Preferred Brand drugs: You pay $47 per prescription. Non-Preferred Brand drugs: You pay $100 per prescription. Specialty drugs: You pay 25% of the total cost. Once your total drug costs have reached $3,310, you will move to the next stage (the Coverage Gap Stage). Your cost for a one-month supply filled at a network pharmacy with standard cost-sharing: Preferred Generic drugs: You pay $4 per prescription. Generic drugs: You pay $10 per prescription. Preferred Brand drugs: You pay $47 per prescription. Non-Preferred Brand drugs: You pay $100 per prescription. Specialty drugs: You pay 25% of the total cost. Once your total drug costs have reached $3,700, you will move to the next stage (the Coverage Gap Stage).

13 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Changes to the Coverage Gap and Catastrophic Coverage Stages The other two drug coverage stages the Coverage Gap Stage and the Catastrophic Coverage Stage are for people with high drug costs. Most members do not reach the Coverage Gap Stage or the Catastrophic Coverage Stage. For information about your costs in these stages, look at Chapter 6, Sections 6 and 7, in your Evidence of Coverage. SECTION 2 Deciding Which Plan to Choose Section 2.1 If you want to stay in Vantage Medicare Advantage ZERO Premium (HMO-POS) To stay in our plan you do not need to do anything. If you do not sign up for a different plan OGB-sponsored plan or change to Original Medicare or any other Medicare prescription drug plan or Medicare Advantage plan by December 7, you will automatically stay enrolled as a member of our plan for Please check with the OGB benefits administrator before you change your plan. This is important because you may lose benefits you currently receive under OGB if you switch to a non-ogb-sponsored Medicare Advantage plan. Section 2.2 If you want to change plans We hope to keep you as a member next year but if you want to change for 2017 follow these steps: Step 1: Learn about and compare your choices You can join a different OGB-sponsored Medicare Advantage plan or one of the OGBsponsored standard plans: Vantage Medical Home HMO, Magnolia Open Access, Magnolia Local, Magnolia Local Plus, or Pelican HRA, OR-- You can cancel your OGB enrollment and change to Original Medicare. If you change to Original Medicare, you will need to decide whether to join a Medicare drug plan and whether to buy a Medicare supplement (Medigap) policy. NOTE: Please check with the OGB before you change your plan. This is important because you may lose benefits you currently receive under OGB if you switch to a non-ogbsponsored Medicare Advantage plan. To learn more about Original Medicare and the different types of Medicare plans, read Medicare & You 2017, call your State Health Insurance Assistance Program (see Section 5), or call Medicare (see Section 7.2).

14 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for You can also find information about plans in your area by using the Medicare Plan Finder on the Medicare website. Go to and click Find health & drug plans. Here, you can find information about costs, coverage, and quality ratings for Medicare plans. As a reminder, Vantage Health Plan, Inc. offers other Medicare health plans. These other plans may differ in coverage, monthly premiums, and cost-sharing amounts. Step 2: Change your coverage To change to a different Medicare health plan, enroll in the new plan. You will automatically be disenrolled from Vantage Medicare Advantage ZERO Premium (HMO- POS). To change to Original Medicare with a prescription drug plan, enroll in the new drug plan. You will automatically be disenrolled from Vantage Medicare Advantage ZERO Premium (HMO-POS). To change to Original Medicare without a prescription drug plan, you must either: o Send us a written request to disenroll. Contact Member Services if you need more information on how to do this (phone numbers are in Section 7.1 of this booklet). o or Contact Medicare, at MEDICARE ( ), 24 hours a day, 7 days a week, and ask to be disenrolled. TTY users should call SECTION 3 Deadline for Changing Plans If you want to change to a different plan or to Original Medicare for next year, you can do it from October 15 until December 7. The change will take effect on January 1, If you are switching to another OGB-sponsored Medicare Advantage plan, enrollment forms must be received by OGB by December 7, 2016 to ensure proper deductions of plan premiums from your January retirement check. Are there other times of the year to make a change? In certain situations, changes are also allowed at other times of the year. For example, people with Medicaid, those who get Extra Help paying for their drugs, those who have or are leaving employer coverage, and those who move out of the service area are allowed to make a change at other times of the year. For more information, see Chapter 10, Section 2.3 of the Evidence of Coverage. SECTION 4 Programs That Offer Free Counseling about Medicare The State Health Insurance Assistance Program (SHIP) is a government program with trained counselors in every state. In Louisiana, the SHIP is called Senior Health Insurance Information Program.

15 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Senior Health Insurance Information Program is independent (not connected with any insurance company or health plan). It is a state program that gets money from the Federal government to give free local health insurance counseling to people with Medicare. Senior Health Insurance Information Program counselors can help you with your Medicare questions or problems. They can help you understand your Medicare plan choices and answer questions about switching plans. You can call Senior Health Insurance Information Program at (800) You can learn more about Senior Health Insurance Information Program by visiting their website ( SECTION 5 Programs That Help Pay for Prescription Drugs You may qualify for help paying for prescription drugs. Below we list different kinds of help: Extra Help from Medicare. People with limited incomes may qualify for Extra Help to pay for their prescription drug costs. If you qualify, Medicare could pay up to 75% or more of your drug costs including monthly prescription drug premiums, annual deductibles, and coinsurance. Additionally, those who qualify will not have a coverage gap or late enrollment penalty. Many people are eligible and do not even know it. To see if you qualify, call: o MEDICARE ( ). TTY users should call , 24 hours a day/7 days a week; o The Social Security Office at between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, (applications); or o Your State Medicaid Office (applications); Help from your state s pharmaceutical assistance program. Louisiana has a program called Louisiana SenioRx that helps people pay for prescription drugs based on their financial need, age, or medical condition. To learn more about the program, check with your State Health Insurance Assistance Program (the name and phone numbers for this organization are in Section 5 of this booklet). Prescription Cost-sharing Assistance for Persons with HIV/AIDS. The AIDS Drug Assistance Program (ADAP) helps ensure that ADAP-eligible individuals living with HIV/AIDS have access to life-saving HIV medications. Individuals must meet certain criteria, including proof of State residence and HIV status, low income as defined by the State, and uninsured/under-insured status. Medicare Part D prescription drugs that are also covered by ADAP qualify for prescription cost-sharing assistance through the Louisiana Drug Assistance Program (L-DAP). For information on eligibility criteria, covered drugs, or how to enroll in the program, please call (800)

16 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for SECTION 6 Questions? Section 6.1 Getting Help from Vantage Medicare Advantage ZERO Premium (HMO-POS) Questions? We are here to help. Please call Member Services at (844) (TTY only, call (866) ) We are available for phone calls seven days a week, 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five days a week Monday-Friday, 8:00 a.m. 8:00 p.m. Calls to these numbers are free. Read your 2017 Evidence of Coverage (it has details about next year's benefits and costs) This Annual Notice of Changes gives you a summary of changes in your benefits and costs for For details, look in the 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS). The Evidence of Coverage is the legal, detailed description of your plan benefits. It explains your rights and the rules you need to follow to get covered services and prescription drugs. A copy of the Evidence of Coverage is included in this envelope. Visit our Website You can also visit our websites at or As a reminder, our websites has the most up-to-date information about our provider network (Provider Directory) and our list of covered drugs (Formulary/Drug List). Section 6.2 Getting Help from Medicare To get information directly from Medicare: Call MEDICARE ( ) You can call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Visit the Medicare Website You can visit the Medicare website ( It has information about cost, coverage, and quality ratings to help you compare Medicare health plans. You can find information about plans available in your area by using the Medicare Plan Finder on the Medicare website. (To view the information about plans, go to and click on Find health & drug plans ).

17 Vantage Medicare Advantage ZERO Premium (HMO-POS) Annual Notice of Changes for Read Medicare & You 2017 You can read the Medicare & You 2017 Handbook. Every year in the fall, this booklet is mailed to people with Medicare. It has a summary of Medicare benefits, rights and protections, and answers to the most frequently asked questions about Medicare. If you do not have a copy of this booklet, you can get it at the Medicare website ( or by calling MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call

18 January 1 December 31, 2017 Evidence of Coverage: Your Medicare Health Benefits and Services and Prescription Drug Coverage as a Member of Vantage Medicare Advantage ZERO Premium (HMO-POS) This booklet gives you the details about your Medicare health care and prescription drug coverage from January 1 December 31, It explains how to get coverage for the health care services and prescription drugs you need. This is an important legal document. Please keep it in a safe place. This plan, Vantage Medicare Advantage ZERO Premium (HMO-POS), is offered by Vantage Health Plan, Inc. (When this Evidence of Coverage says we, us, or our, it means Vantage Health Plan, Inc. When it says plan or our plan, it means Vantage Medicare Advantage ZERO Premium (HMO-POS).) Vantage Health Plan, Inc. (Vantage) is an HMO with a Medicare contract. Enrollment in Vantage depends on contract renewal. Member Services has free language interpreter services available for non-english speakers (phone numbers are printed on the back cover of this booklet). You may choose to enroll in Vantage s Digital Documents program. This program allows you to access your Vantage plan documents, including this Evidence of Coverage, via the Vantage website instead of traditional paper booklets. You can view the Evidence of Coverage at or or download it from the websites. You may opt out of the Digital Documents program at any time and request copies of your documents by contacting Member Services at the phone number on the back cover of this booklet. In addition to digital format, we can also give you this information in large print. Benefits, premium, deductible, and/or copayments/coinsurance may change on January 1, The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. Form CMS ANOC/EOC OMB Approval (Approved 03/2014)

19 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 1 Table of Contents 2017 Evidence of Coverage Table of Contents This list of chapters and page numbers is your starting point. For more help in finding information you need, go to the first page of a chapter. You will find a detailed list of topics at the beginning of each chapter. Chapter 1. Getting started as a member...4 Explains what it means to be in a Medicare health plan and how to use this booklet. Tells about materials we will send you, your plan premium, your plan membership card, and keeping your membership record up to date. Chapter 2. Important phone numbers and resources Tells you how to get in touch with our plan (Vantage Medicare Advantage ZERO Premium (HMO-POS)) and with other organizations including Medicare, the State Health Insurance Assistance Program (SHIP), the Quality Improvement Organization, Social Security, Medicaid (the state health insurance program for people with low incomes), programs that help people pay for their prescription drugs, and the Railroad Retirement Board. Chapter 3. Using the plan s coverage for your medical services Explains important things you need to know about getting your medical care as a member of our plan. Topics include using the providers in the plan s network and how to get care when you have an emergency. Chapter 4. Medical Benefits Chart (what is covered and what you pay) Gives the details about which types of medical care are covered and not covered for you as a member of our plan. Explains how much you will pay as your share of the cost for your covered medical care. Chapter 5. Using the plan s coverage for your Part D prescription drugs 98 Explains rules you need to follow when you get your Part D drugs. Tells how to use the plan s List of Covered Drugs (Formulary) to find out which drugs are covered. Tells which kinds of drugs are not covered. Explains several kinds of restrictions that apply to coverage for certain drugs. Explains where to get your prescriptions filled. Tells about the plan s programs for drug safety and managing medications. Chapter 6. What you pay for your Part D prescription drugs Tells about the four stages of drug coverage (Deductible Stage, Initial Coverage Stage, Coverage Gap Stage, Catastrophic Coverage Stage) and how these stages affect what you pay for your drugs. Explains the five costsharing tiers for your Part D drugs and tells what you must pay for a drug in each cost-sharing tier. Tells about the late enrollment penalty.

20 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 2 Table of Contents Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs Explains when and how to send a bill to us when you want to ask us to pay you back for our share of the cost for your covered services or drugs. Chapter 8. Your rights and responsibilities Explains the rights and responsibilities you have as a member of our plan. Tells what you can do if you think your rights are not being respected. Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Tells you step-by-step what to do if you are having problems or concerns as a member of our plan. Explains how to ask for coverage decisions and make appeals if you are having trouble getting the medical care or prescription drugs you think are covered by our plan. This includes asking us to make exceptions to the rules or extra restrictions on your coverage for prescription drugs, and asking us to keep covering hospital care and certain types of medical services if you think your coverage is ending too soon. Explains how to make complaints about quality of care, waiting times, customer service, and other concerns. Chapter 10. Ending your membership in the plan Explains when and how you can end your membership in the plan. Explains situations in which our plan is required to end your membership. Chapter 11. Legal notices Includes notices about governing law and about non-discrimination. Chapter 12. Definitions of important words Explains key terms used in this booklet Appendices Discrimination is Against the Law Discrimination Grievance Procedure..255 Language Assistance..257

21 CHAPTER 1 Getting started as a member

22 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 4 Chapter 1. Getting started as a member Chapter 1. Getting started as a member SECTION 1 Introduction...5 Section 1.1 You are enrolled in Vantage Medicare Advantage ZERO Premium (HMO-POS), which is a Medicare HMO Point-of-Service Plan...5 Section 1.2 What is the Evidence of Coverage booklet about?...5 Section 1.3 Legal information about the Evidence of Coverage...5 SECTION 2 What makes you eligible to be a plan member?...6 Section 2.1 Your eligibility requirements...6 Section 2.2 What are Medicare Part A and Medicare Part B?...6 Section 2.3 Here is the plan service area for Vantage Medicare Advantage ZERO Premium (HMO-POS)...7 Section 2.4 U.S. Citizen or Lawful Presence...7 SECTION 3 What other materials will you get from us?...7 Section 3.1 Section 3.2 Your plan membership card Use it to get all covered care and prescription drugs...7 The Provider Directory: Your guide to all providers in the plan s network...8 Section 3.3 The Pharmacy Directory: Your guide to pharmacies in our network...9 Section 3.4 The plan s List of Covered Drugs (Formulary)...10 Section 3.5 SECTION 4 The Part D Explanation of Benefits (the Part D EOB ): Reports with a summary of payments made for your Part D prescription drugs...11 Your monthly premium for Vantage Medicare Advantage ZERO Premium (HMO-POS) Section 4.1 How much is your plan premium?...11 Section 4.2 How to pay...12 if you owe a Part D late enrollment penalty...12 Section 4.3 Can we change your monthly plan premium during the year?...13 SECTION 5 Please keep your plan membership record up to date Section 5.1 How to help make sure that we have accurate information about you...13 SECTION 6 We protect the privacy of your personal health information Section 6.1 We make sure that your health information is protected...14 SECTION 7 How other insurance works with our plan Section 7.1 Which plan pays first when you have other insurance?...15

23 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 5 Chapter 1. Getting started as a member SECTION 1 Section 1.1 Introduction You are enrolled in Vantage Medicare Advantage ZERO Premium (HMO-POS), which is a Medicare HMO Point-of- Service Plan You are covered by Medicare, and you have chosen to get your Medicare health care and your prescription drug coverage through our plan, Vantage Medicare Advantage ZERO Premium (HMO-POS). There are different types of Medicare health plans. Vantage Medicare Advantage ZERO Premium (HMO-POS) is a Medicare Advantage HMO Plan (HMO stands for Health Maintenance Organization) with a Point-of-Service (POS) option approved by Medicare and run by a private company. Point-of-Service means you can use providers outside the plan s network for an additional cost. (See Chapter 3, Section 2.4 for information about using the Pointof-Service option.) A network consists of facilities, physicians, other healthcare professionals, pharmacies, and suppliers our plan has contracted with to provide health care services. Section 1.2 What is the Evidence of Coverage booklet about? This Evidence of Coverage booklet tells you how to get your Medicare medical care and prescription drugs covered through our plan. This booklet explains your rights and responsibilities, what is covered, and what you pay as a member of the plan. The word coverage and covered services refers to the medical care and services and the prescription drugs available to you as a member of Vantage Medicare Advantage ZERO Premium (HMO-POS). It is important for you to learn what the plan s rules are and what services are available to you. We encourage you to set aside some time to look through this Evidence of Coverage booklet. If you are confused or concerned or just have a question, please contact our plan s Member Services (phone numbers are printed on the back cover of this booklet). Section 1.3 Legal information about the Evidence of Coverage It is part of our contract with you This Evidence of Coverage is part of our contract with you about how Vantage Medicare Advantage ZERO Premium (HMO-POS) covers your care. Other parts of this contract include your enrollment form, the List of Covered Drugs (Formulary), and any notices you receive from us about changes to your coverage or conditions that affect your coverage. These notices are sometimes called riders or amendments.

24 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 6 Chapter 1. Getting started as a member The contract is in effect for months in which you are enrolled in Vantage Medicare Advantage ZERO Premium (HMO-POS) between January 1, 2017 and December 31, Each calendar year, Medicare allows us to make changes to the plans that we offer. This means we can change the costs and benefits of Vantage Medicare Advantage ZERO Premium (HMO- POS) after December 31, We can also choose to stop offering the plan, or to offer it in a different service area, after December 31, Medicare must approve our plan each year Medicare (the Centers for Medicare & Medicaid Services) must approve Vantage Medicare Advantage ZERO Premium (HMO-POS) each year. You can continue to get Medicare coverage as a member of our plan as long as we choose to continue to offer the plan and Medicare renews its approval of the plan. SECTION 2 Section 2.1 What makes you eligible to be a plan member? Your eligibility requirements You are eligible for membership in our plan as long as: You have both Medicare Part A and Medicare Part B (Section 2.2 tells you about Medicare Part A and Medicare Part B) -- and -- you live in our geographic service area (Section 2.3 below describes our service area) -- and -- you are a United States citizen or are lawfully present in the United States. Section 2.2 What are Medicare Part A and Medicare Part B? When you first signed up for Medicare, you received information about what services are covered under Medicare Part A and Medicare Part B. Remember: Medicare Part A generally helps cover services provided by hospitals (for inpatient services, skilled nursing facilities, or home health agencies). Medicare Part B is for most other medical services (such as physician s services and other outpatient services) and certain items (such as durable medical equipment and supplies).

25 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 7 Chapter 1. Getting started as a member Section 2.3 Here is the plan service area for Vantage Medicare Advantage ZERO Premium (HMO-POS) Although Medicare is a Federal program, Vantage Medicare Advantage ZERO Premium (HMO- POS) is available only to individuals who live in our plan service area. To remain a member of our plan, you must continue to reside in the plan service area. The service area is described below. Our service area includes the entire state of Louisiana. If you plan to move out of the service area, please contact Member Services (phone numbers are printed on the back cover of this booklet). When you move, you will have a Special Enrollment Period that will allow you to switch to Original Medicare or enroll in a Medicare health or drug plan that is available in your new location. It is also important that you call Social Security if you move or change your mailing address. You can find phone numbers and contact information for Social Security in Chapter 2, Section 5. Section 2.4 U.S. Citizen or Lawful Presence A member of a Medicare health plan must be a U.S. citizen or lawfully present in the United States. Medicare (the Centers for Medicare & Medicaid Services) will notify Vantage Medicare Advantage ZERO Premium (HMO-POS) if you are not eligible to remain a member on this basis. Vantage Medicare Advantage ZERO Premium (HMO-POS) must disenroll you if you do not meet this requirement. SECTION 3 Section 3.1 What other materials will you get from us? Your plan membership card Use it to get all covered care and prescription drugs While you are a member of our plan, you must use your membership card for our plan whenever you get any services covered by this plan and for prescription drugs you get at network pharmacies. Here is a sample membership card to show you what yours will look like:

26 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 8 Chapter 1. Getting started as a member As long as you are a member of our plan you must not use your red, white, and blue Medicare card to get covered medical services (with the exception of routine clinical research studies and hospice services). Keep your red, white, and blue Medicare card in a safe place in case you need it later. Here is why this is so important: If you get covered services using your red, white, and blue Medicare card instead of using your Vantage Medicare Advantage ZERO Premium (HMO-POS) membership card while you are a plan member, you may have to pay the full cost yourself. If your plan membership card is damaged, lost, or stolen, call Member Services right away and we will send you a new card. (Phone numbers for Member Services are printed on the back cover of this booklet.) Section 3.2 The Provider Directory: Your guide to all providers in the plan s network The Provider Directory lists our network providers. What are network providers? Network providers are the doctors and other health care professionals, medical groups, durable medical equipment suppliers, hospitals, and other health care facilities that have an agreement with us to accept our payment and any plan cost-sharing as payment in full. We have arranged for these providers to deliver covered services to members in our plan. Why do you need to know which providers are part of our network? It is important to know which providers are part of our network because, with limited exceptions, while you are a member of our plan you may be required to use network providers to get your medical care and services. The only exceptions are emergencies, urgently needed services when the network is not available (generally, when you are out of the area), out-of-area dialysis services, and cases in which Vantage Medicare Advantage ZERO Premium (HMO-POS) authorizes use of out-of-network providers. See Chapter 3 (Using the plan s coverage for your

27 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 9 Chapter 1. Getting started as a member medical services) for more specific information about emergency, out-of-network, and out-ofarea coverage. Our plan does offer a Point of Service (POS) option for certain services. POS is an HMO option that lets a member use out-of-network providers for an additional cost. All services obtained from out-of-network providers require prior authorization (except emergency services, urgently needed and dialysis outside the plan s service area) and are subject to a $250 deductible and forty percent (40%) coinsurance. In most cases, services obtained from out-of-network providers will be treated as in-plan if prior authorization has been obtained and will not be subject to the deductible and 40% coinsurance, but in-network cost sharing would apply. Our plan will notify you in writing if an authorized service from an out-of-network provider will not be treated as in plan. If you do not have your copy of the Provider Directory, you can request a copy from Member Services (phone numbers are printed on the back cover of this booklet). You may ask Member Services for more information about our network providers, including their qualifications. The Provider Directory, our or websites, and Member Services are also available to tell you about Affinity Health Network (AHN). AHN includes providers who offer preferred cost-sharing on certain services which may be lower than the cost-sharing offered by our standard network providers. Help the environment by choosing to enroll in Vantage s Digital Documents program. This program allows you to access your Vantage plan documents, including the Provider Directory, via the Vantage websites instead of traditional paper booklets. You can view the Provider Directory at or or download it from these websites. You may opt out of the Digital Documents program at any time and request printed copies of your documents by contacting Member Services at the phone number on the back cover of this booklet. Both Member Services and the websites can give you the most up-to-date information about changes in our network providers. Section 3.3 The Pharmacy Directory: Your guide to pharmacies in our network What are network pharmacies? Network pharmacies are all of the pharmacies that have agreed to fill covered prescriptions for our plan members. Why do you need to know about network pharmacies? You can use the Pharmacy Directory to find the network pharmacy you want to use. There are changes to our network of pharmacies for next year. An updated Pharmacy Directory is located on our websites at or You may also call Member Services for updated provider information or to ask us to mail you a Pharmacy Directory. Please review the 2017 Pharmacy Directory to see which pharmacies are in our network.

28 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 10 Chapter 1. Getting started as a member If you do not have the Pharmacy Directory, you can get a copy from Member Services (phone numbers are printed on the back cover of this booklet). At any time, you can call Member Services to get up-to-date information about changes in the pharmacy network. You can also find this information on our websites at or Help the environment by choosing to enroll in Vantage s Digital Documents program. This program allows you to access your Vantage plan documents, including the Pharmacy Directory, via the Vantage websites instead of traditional paper booklets. You can view the Pharmacy Directory on the websites, or download it from the websites. You may opt out of the Digital Documents program at any time and request printed copies of your documents by contacting Member Services at the phone number on the back cover of this booklet. Both Member Services and the websites can give you the most up-to-date information about changes in our network providers. Section 3.4 The plan s List of Covered Drugs (Formulary) The plan has a List of Covered Drugs (Formulary). We call it the Drug List for short. It tells which Part D prescription drugs are covered under the Part D benefit included in Vantage Medicare Advantage ZERO Premium (HMO-POS). The drugs on this list are selected by the plan with the help of a team of doctors and pharmacists. The list must meet requirements set by Medicare. Medicare has approved the Vantage Medicare Advantage ZERO Premium (HMO- POS) Drug List. The Drug List also tells you if there are any rules that restrict coverage for your drugs. We will send you a copy of the Drug List. The Drug List we send to you includes information for the covered drugs that are most commonly used by our members. However, we cover additional drugs that are not included in the printed Drug List. If one of your drugs is not listed in the Drug List, you should visit our website or contact Member Services to find out if we cover it. To get the most complete and current information about which drugs are covered, you can visit the plan s websites ( or or call Member Services (phone numbers are printed on the back cover of this booklet). Help the environment by choosing to enroll in Vantage s Digital Documents program. This program allows you to access your Vantage plan documents, including the Formulary, via the Vantage websites instead of traditional paper booklets. You can view the Formulary on the websites, or download it from the websites. You may opt out of the Digital Documents program at any time and request printed copies of your documents by contacting Member Services at the phone number on the back cover of this booklet. Both Member Services and the websites can give you the most up-to-date information about changes in the Formulary.

29 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 11 Chapter 1. Getting started as a member Section 3.5 The Part D Explanation of Benefits (the Part D EOB ): Reports with a summary of payments made for your Part D prescription drugs When you use your Part D prescription drug benefits, we will send you a summary report to help you understand and keep track of payments for your Part D prescription drugs. This summary report is called the Part D Explanation of Benefits (or the Part D EOB ). The Part D Explanation of Benefits tells you the total amount you, or others on your behalf, have spent on your Part D prescription drugs and the total amount we have paid for each of your Part D prescription drugs during the month. Chapter 6 (What you pay for your Part D prescription drugs) gives more information about the Part D Explanation of Benefits and how it can help you keep track of your drug coverage. A Part D Explanation of Benefits summary is also available upon request. To get a copy, please contact Member Services (phone numbers are printed on the back cover of this booklet). SECTION 4 Section 4.1 Your monthly premium for Vantage Medicare Advantage ZERO Premium (HMO-POS) How much is your plan premium? You do not pay a separate monthly plan premium for Vantage Medicare Advantage ZERO Premium (HMO-POS). You must continue to pay your Medicare Part B premium (unless your Part B premium is paid for you by Medicaid or another third party). Your coverage is provided through a contract with OGB. Please contact OGB for information about your plan premium at or toll-free In some situations, your plan premium could be more In some situations, your plan premium could be more than the amount listed above in Section 4.1. This situation is described below. Some members are required to pay a late enrollment penalty because they did not join a Medicare drug plan when they first became eligible or because they had a continuous period of 63 days or more when they did not have creditable prescription drug coverage. ( Creditable means the drug coverage is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage.) For these members, the late enrollment penalty is added to the plan s monthly premium. Their premium amount will be the monthly plan premium plus the amount of their late enrollment penalty. o If you are required to pay the late enrollment penalty, the amount of your penalty depends on how long you waited before you enrolled in drug coverage or how

30 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 12 Chapter 1. Getting started as a member many months you were without drug coverage after you became eligible. Chapter 6, Section 9 explains the late enrollment penalty. Many members are required to pay other Medicare premiums Many members are required to pay other Medicare premiums. As explained in Section 2 above, in order to be eligible for our plan, you must be entitled to Medicare Part A and enrolled in Medicare Part B. For that reason, some plan members (those who are not eligible for premiumfree Part A) pay a premium for Medicare Part A. And most plan members pay a premium for Medicare Part B. You must continue paying your Medicare premiums to remain a member of the plan. Some people pay an extra amount for Part D because of their yearly income. This is known as Income Related Monthly Adjustment Amounts, also known as IRMAA. If your income is greater than $85,000 for an individual (or married individuals filing separately) or greater than $170,000 for married couples, you must pay an extra amount directly to the government (not the Medicare plan) for your Medicare Part D coverage. If you are required to pay the extra amount and you do not pay it, you will be disenrolled from the plan and lose prescription drug coverage. If you have to pay an extra amount, Social Security, not your Medicare plan, will send you a letter telling you what that extra amount will be. For more information about Part D premiums based on income, go to Chapter 6, Section 10 of this booklet. You can also visit on the Web or call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Or you may call Social Security at TTY users should call Your copy of Medicare & You 2017 gives information about the Medicare premiums in the section called 2017 Medicare Costs. This explains how the Medicare Part B and Part D premiums differ for people with different incomes. Everyone with Medicare receives a copy of Medicare & You each year in the fall. Those new to Medicare receive it within a month after first signing up. You can also download a copy of Medicare & You 2017 from the Medicare website ( Or, you can order a printed copy by phone at MEDICARE ( ), 24 hours a day, 7 days a week. TTY users call Section 4.2 How to pay if you owe a Part D late enrollment penalty Your employer will forward your monthly penalty, if applicable, to our plan on your behalf. Please contact OGB at or toll-free for more information.

31 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 13 Chapter 1. Getting started as a member Section 4.3 Can we change your monthly plan premium during the year? No. We are not allowed to begin charging a monthly plan premium during the year. If the monthly plan premium changes for next year we will tell you in September and the change will take effect on January 1. However, in some cases, you may need to start paying or may be able to stop paying a late enrollment penalty. (The late enrollment penalty may apply if you had a continuous period of 63 days or more when you didn t have creditable prescription drug coverage.) This could happen if you become eligible for the Extra Help program or if you lose your eligibility for the Extra Help program during the year: If you currently pay the late enrollment penalty and become eligible for Extra Help during the year, you would be able to stop paying your penalty. If you ever lose Extra Help, you must maintain your Part D coverage or you could be subject to a late enrollment penalty. You can find out more about the Extra Help program in Chapter 2, Section 7. SECTION 5 Section 5.1 Please keep your plan membership record up to date How to help make sure that we have accurate information about you Your membership record has information from your enrollment form, including your address and telephone number. It shows your specific plan coverage including your Medical-Home Primary Care Provider (MH-PCP). The doctors, hospitals, pharmacists, and other providers in the plan s network need to have correct information about you. These network providers use your membership record to know what services and drugs are covered and the cost-sharing amounts for you. Because of this, it is very important that you help us keep your information up to date. Let us know about these changes: Please help keep your membership record up to date. If there are changes to your name, address, phone number, or work status, you may send these changes directly to the Office of Group Benefits, ATTN: Eligibility, P.O. Box 66678, Baton Rouge, Louisiana or call the Office of Group Benefits Customer Service Department at or TDD (Toll-free or TDD ) Also, tell the Office of Group Benefits about any changes in other health insurance coverage you

32 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 14 Chapter 1. Getting started as a member have, such as from your employer, your spouse s employer, workers compensation, or Medicaid. If any of this information changes, please let us know by calling Member Services (phone numbers are printed on the back cover of this booklet). If you have any liability claims, such as claims from an automobile accident If you have been admitted to a nursing home If you receive care in an out-of-area or out-of-network hospital or emergency room If your designated responsible party (such as a caregiver) changes If you are participating in a clinical research study Members may request to update contact information and choice of Medical Home Primary Care Provider via the Vantage member portal. Contact Member Services for more information about using the portal. It is also important to contact Social Security if you move or change your mailing address. You can find phone numbers and contact information for Social Security in Chapter 2, Section 5. Read over the information we send you about any other insurance coverage you have Medicare requires that we collect information from you about any other medical or drug insurance coverage that you have. That is because we must coordinate any other coverage you have with your benefits under our plan. (For more information about how our coverage works when you have other insurance, see Section 7 in this chapter.) We may call you to confirm your other coverage or we may send you a letter that lists any other medical or drug insurance coverage that we know about. Please read over this information carefully to determine whether you have other coverage that is not listed. Please call Member Services at (844) or TTY (888) to confirm all information about your other insurance coverage. SECTION 6 Section 6.1 We protect the privacy of your personal health information We make sure that your health information is protected Federal and state laws protect the privacy of your medical records and personal health information. We protect your personal health information as required by these laws. For more information about how we protect your personal health information, please go to Chapter 8, Section 1.4 of this booklet.

33 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 15 Chapter 1. Getting started as a member SECTION 7 Section 7.1 How other insurance works with our plan Which plan pays first when you have other insurance? When you have other insurance (like employer group health coverage), there are rules set by Medicare that decide whether our plan or your other insurance pays first. The insurance that pays first is called the primary payer and pays up to the limits of its coverage. The one that pays second, called the secondary payer, only pays if there are costs left uncovered by the primary coverage. The secondary payer may not pay all of the uncovered costs. These rules apply for employer or union group health plan coverage: If your group health plan coverage is based on your or a family member s current employment, who pays first depends on your age, the number of people employed by your employer, and whether you have Medicare based on age, disability, or End-stage Renal Disease (ESRD): o If you are under 65 and disabled and you or your family member is still working, your group health plan pays first if the employer has 100 or more employees or at least one employer in a multiple employer plan that has more than 100 employees. o If you are over 65 and you or your spouse is still working, your group health plan pays first if the employer has 20 or more employees or at least one employer in a multiple employer plan that has more than 20 employees. These types of coverage usually pay first for services related to each type: No-fault insurance (including automobile insurance) Liability (including automobile insurance) Black lung benefits Workers compensation Medicaid and TRICARE never pay first for Medicare-covered services. They only pay after Medicare, employer group health plans, and/or Medigap have paid. If you have other insurance, tell your doctor, hospital, and pharmacy. If you have questions about who pays first, or you need to update your other insurance information, call Member Services (phone numbers are printed on the back cover of this booklet). You may need to give your plan member ID number to your other insurers (once you have confirmed their identity) so your bills are paid correctly and on time.

34 CHAPTER 2 Important phone numbers and resources

35 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 17 Chapter 2. Important phone numbers and resources Chapter 2. Important phone numbers and resources SECTION 1 Vantage Medicare Advantage ZERO Premium (HMO-POS) contacts (how to contact us, including how to reach Member Services at the plan) SECTION 2 Office of Group Benefits contacts SECTION 3 SECTION 4 SECTION 5 Medicare (how to get help and information directly from the Federal Medicare program) State Health Insurance Assistance Program (free help, information, and answers to your questions about Medicare).. 25 Quality Improvement Organization (paid by Medicare to check on the quality of care for people with Medicare) SECTION 6 Social Security SECTION 7 SECTION 8 Medicaid (a joint Federal and state program that helps with medical costs for some people with limited income and resources) Information about programs to help people pay for their prescription drugs SECTION 9 How to contact the Railroad Retirement Board SECTION 10 Do you have group insurance or other health insurance from an employer?... 33

36 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 18 Chapter 2. Important phone numbers and resources SECTION 1 Vantage Medicare Advantage ZERO Premium (HMO- POS) contacts (how to contact us, including how to reach Member Services at the plan) How to contact our plan s Member Services For assistance with claims, billing, or member card questions, please call or write to Vantage Medicare Advantage ZERO Premium (HMO-POS) Member Services. We will be happy to help you. Method CALL (318) TTY (318) FAX (318) Member Services Contact Information (844) Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. An answering service will operate on weekends and holidays. When leaving a message, please leave your name, number and the time you called, and a representative will return your call. Member Services also has free language interpreter services available for non-english speakers. (866) This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. WRITE 130 DeSiard Street, Suite 300, Monroe, LA WEBSITE or

37 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 19 Chapter 2. Important phone numbers and resources How to contact us when you are asking for a coverage decision about your medical care or Part D Prescription Drugs A coverage decision is a decision we make about your benefits and coverage or about the amount we will pay for your medical services and for Part D Prescription Drugs. For more information on asking for coverage decisions about your medical care, see Chapter 9 (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)). You may call us if you have questions about our coverage decision process. Method CALL (318) TTY (318) Coverage Decisions For Medical Care or Part D Prescription Drugs Contact Information (844) Calls to this number are free Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. An answering service will operate on weekends and holidays. When leaving a message, please leave your name, number and the time you called, and a representative will return your call. (866) This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. FAX (318) (318) Expedited organization determinations WRITE 130 DeSiard Street, Suite 300, Monroe, LA WEBSITE or

38 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 20 Chapter 2. Important phone numbers and resources How to contact us when you are making an appeal about your medical care or Part D prescription drugs An appeal is a formal way of asking us to review and change a coverage decision we have made. For more information on making an appeal about your medical care or Part D prescription drugs, see Chapter 9 (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)). Method Appeals For Medical Care or Part D Prescription Drugs Contact Information CALL (318) TTY (318) (844) Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. An answering service will operate on weekends and holidays. When leaving a message, please leave your name, number and the time you called, and a representative will return your call. (866) This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. FAX (318) (318) Expedited appeals WRITE 130 DeSiard Street, Suite 300, Monroe, LA WEBSITE or How to contact us when you are making a complaint about your medical care or Part D prescription drugs You can make a complaint about us or one of our network providers, including a complaint about the quality of your care. This type of complaint does not involve coverage or payment

39 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 21 Chapter 2. Important phone numbers and resources disputes. (If your problem is about the plan s coverage or payment, you should look at the section above about making an appeal.) For more information on making a complaint about your medical care or Part D prescription drugs, see Chapter 9 (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)). Method Complaints About Medical Care or Part D Prescription Drugs Contact Information CALL (318) (844) Calls to this number are free. TTY (318) Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. An answering service will operate on weekends and holidays. When leaving a message, please leave your name, number and the time you called, and a representative will return your call. (866) This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. FAX (318) (318) Expedited complaints WRITE 130 DeSiard Street, Suite 300, Monroe, LA MEDICARE WEBSITE You can submit a complaint about Vantage Medicare Advantage ZERO Premium (HMO-POS) directly to Medicare. To submit an online complaint to Medicare go to

40 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 22 Chapter 2. Important phone numbers and resources Where to send a request asking us to pay for our share of the cost for medical care or a drug you have received For more information on situations in which you may need to ask us for reimbursement or to pay a bill you have received from a provider, see Chapter 7 (Asking us to pay our share of a bill you have received for covered medical services or drugs). Please note: If you send us a payment request and we deny any part of your request, you can appeal our decision. See Chapter 9 (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)) for more information. Method Payment Requests Contact Information CALL (318) TTY (318) FAX (318) (844) Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. An answering service will operate on weekends and holidays. When leaving a message, please leave your name, number and the time you called, and a representative will return your call. (866) This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Member Services will operate seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. WRITE 130 DeSiard Street, Suite 300, Monroe, LA WEBSITE or

41 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 23 Chapter 2. Important phone numbers and resources SECTION 2 Office of Group Benefits contacts Method CALL (225) Office of Group Benefits Contact Information (800) Calls to this number are free. WRITE P.O. Box Baton Rouge, LA WEBSITE or SECTION 3 Medicare (how to get help and information directly from the Federal Medicare program) Medicare is the Federal health insurance program for people 65 years of age or older, some people under age 65 with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). The Federal agency in charge of Medicare is the Centers for Medicare & Medicaid Services (sometimes called CMS ). This agency contracts with Medicare Advantage organizations including us. Method Medicare Contact Information CALL MEDICARE, or Calls to this number are free. 24 hours a day, 7 days a week. TTY This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. WEBSITE This is the official government website for Medicare. It gives you upto-date information about Medicare and current Medicare issues. It also has information about hospitals, nursing homes, physicians, home health agencies, and dialysis facilities. It includes booklets you can print directly from your computer. You can also find Medicare contacts in your state.

42 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 24 Chapter 2. Important phone numbers and resources Method Medicare Contact Information The Medicare website also has detailed information about your Medicare eligibility and enrollment options with the following tools: Medicare Eligibility Tool: Provides Medicare eligibility status information. Medicare Plan Finder: Provides personalized information about available Medicare prescription drug plans, Medicare health plans, and Medigap (Medicare Supplement Insurance) policies in your area. These tools provide an estimate of what your out-of-pocket costs might be in different Medicare plans. You can also use the website to tell Medicare about any complaints you have about Vantage Medicare Advantage ZERO Premium (HMO-POS): Tell Medicare about your complaint: You can submit a complaint about Vantage Medicare Advantage ZERO Premium (HMO-POS) directly to Medicare. To submit a complaint to Medicare, go to Medicare takes your complaints seriously and will use this information to help improve the quality of the Medicare program. If you do not have a computer, your local library or senior center may be able to help you visit this website using its computer. Or, you can call Medicare and tell them what information you are looking for. They will find the information on the website, print it out, and send it to you. (You can call Medicare at MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call ) Minimum essential coverage (MEC): Coverage under this Plan qualifies as minimum essential coverage (MEC) and satisfies the Patient Protection and Affordable Care Act s (ACA) individual shared responsibility requirement. Please visit the Internal Revenue Service (IRS) website at Families for more information on the individual requirement for MEC.

43 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 25 Chapter 2. Important phone numbers and resources SECTION 4 State Health Insurance Assistance Program (free help, information, and answers to your questions about Medicare) The State Health Insurance Assistance Program (SHIP) is a government program with trained counselors in every state. In Louisiana, the SHIP is called Senior Health Insurance Information Program. Senior Health Insurance Information Program is independent (not connected with any insurance company or health plan). It is a state program that gets money from the Federal government to give free local health insurance counseling to people with Medicare. Senior Health Insurance Information Program counselors can help you with your Medicare questions or problems. They can help you understand your Medicare rights, help you make complaints about your medical care or treatment, and help you straighten out problems with your Medicare bills. Senior Health Insurance Information Program counselors can also help you understand your Medicare plan choices and answer questions about switching plans. Method Senior Health Insurance Information Program (Louisiana SHIP) CALL (225) (800) Calls to this number are free. WRITE P.O. Box 94214, Baton Rouge, LA WEBSITE SECTION 5 Quality Improvement Organization (paid by Medicare to check on the quality of care for people with Medicare) There is a designated Quality Improvement Organization for serving Medicare beneficiaries in each state. For Louisiana, the Quality Improvement Organization is called KEPRO. KEPRO has a group of doctors and other health care professionals who are paid by the Federal government. This organization is paid by Medicare to check on and help improve the quality of care for people with Medicare. KEPRO is an independent organization. It is not connected with our plan.

44 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 26 Chapter 2. Important phone numbers and resources You should contact KEPRO in any of these situations: You have a complaint about the quality of care you have received. You think coverage for your hospital stay is ending too soon. You think coverage for your home health care, skilled nursing facility care, or Comprehensive Outpatient Rehabilitation Facility (CORF) services are ending too soon. Method CALL (216) FAX (844) KEPRO (Louisiana s Quality Improvement Organization) (844) Calls to this number are free. WRITE Rock Run Center, Suite Lombardo Center Dr. Seven Hills, OH WEBSITE SECTION 6 Social Security Social Security is responsible for determining eligibility and handling enrollment for Medicare. U.S. citizens who are 65 or older, or who have a disability or End-Stage Renal Disease and meet certain conditions, are eligible for Medicare. If you are already getting Social Security checks, enrollment into Medicare is automatic. If you are not getting Social Security checks, you have to enroll in Medicare. Social Security handles the enrollment process for Medicare. To apply for Medicare, you can call Social Security or visit your local Social Security office. Social Security is also responsible for determining who has to pay an extra amount for their Part D drug coverage because they have a higher income. If you got a letter from Social Security telling you that you have to pay the extra amount and have questions about the amount or if your income went down because of a life-changing event, you can call Social Security to ask for reconsideration. If you move or change your mailing address, it is important that you contact Social Security to let them know.

45 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 27 Chapter 2. Important phone numbers and resources Method Social Security Contact Information CALL Calls to this number are free. Available 7:00 am to 7:00 pm, Monday through Friday. You can use Social Security s automated telephone services to get recorded information and conduct some business 24 hours a day. TTY This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are free. Available 7:00 am to 7:00 pm, Monday through Friday. WEBSITE SECTION 7 Medicaid (a joint Federal and state program that helps with medical costs for some people with limited income and resources) Medicaid is a joint Federal and state government program that helps with medical costs for certain people with limited incomes and resources. Some people with Medicare are also eligible for Medicaid. In addition, there are programs offered through Medicaid that help people with Medicare pay their Medicare costs, such as their Medicare premiums. These Medicare Savings Programs help people with limited income and resources save money each year: Qualified Medicare Beneficiary (QMB): Helps pay Medicare Part A and Part B premiums, and other cost-sharing (like deductibles, coinsurance, and copayments). (Some people with QMB are also eligible for full Medicaid benefits (QMB+).) Specified Low-Income Medicare Beneficiary (SLMB): Helps pay Part B premiums. (Some people with SLMB are also eligible for full Medicaid benefits (SLMB+).) Qualified Individual (QI): Helps pay Part B premiums. Qualified Disabled & Working Individuals (QDWI): Helps pay Part A premiums. To find out more about Medicaid and its programs, contact Louisiana Medicaid.

46 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 28 Chapter 2. Important phone numbers and resources Method CALL TTY Louisiana Medicaid Contact Information (888) Calls to this number are free. (225) This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. WRITE 628 N. 4th Street, P.O. Box (Zip ) Baton Rouge, LA WEBSITE SECTION 8 Information about programs to help people pay for their prescription drugs Medicare s Extra Help Program Medicare provides Extra Help to pay prescription drug costs for people who have limited income and resources. Resources include your savings and stocks, but not your home or car. If you qualify, you get help paying for any Medicare drug plan s monthly premium, yearly deductible, and prescription copayments. This Extra Help also counts toward your out-ofpocket costs. People with limited income and resources may qualify for Extra Help. Some people automatically qualify for Extra Help and do not need to apply. Medicare mails a letter to people who automatically qualify for Extra Help. You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for getting Extra Help, call: MEDICARE ( ). TTY users should call , 24 hours a day/7 days a week. The Social Security Office at , between 7 am to 7 pm, Monday through Friday. TTY users should call (applications); or Your State Medicaid Office (applications) (See Section 6 of this chapter for contact information). If you believe you have qualified for Extra Help and you believe that you are paying an incorrect cost-sharing amount when you get your prescription at a pharmacy, our plan has established a process that allows you to either request assistance in obtaining evidence of your proper copayment level, or, if you already have the evidence, to provide this evidence to us. Any of the following forms of evidence is accepted to establish the subsidy status of a full benefit dual eligible or MSP-eligible beneficiary when provided by the beneficiary or

47 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 29 Chapter 2. Important phone numbers and resources the beneficiary s pharmacist, advocate, representative, family member or other individual acting on behalf of the beneficiary: 1. A copy of the beneficiary s Medicaid card that includes the beneficiary s name and an eligibility date during a month after June of the previous calendar year; 2. A copy of a state document that confirms active Medicaid status during a month after June of the previous calendar year; 3. A print out from the State electronic enrollment file showing Medicaid status during a month after June of the previous calendar year; 4. A screen print from the State s Medicaid systems showing Medicaid status during a month after June of the previous calendar year; 5. Other documentation provided by the State showing Medicaid status during a month after June of the previous calendar year; 6. A letter from SSA showing that the individual receives SSI; or, 7. An Important Information letter from SSA, confirming that the beneficiary is automatically eligible for extra help. Any one of the following forms of evidence is accepted from the beneficiary or the beneficiary s pharmacist, advocate, representative, family member or other individual acting on behalf of the beneficiary to establish that a beneficiary is institutionalized or, beginning on a date specified by the Secretary, but no earlier than January 1, 2012, is an individual receiving home and community based services (HCBS) and qualifies for zero cost-sharing: 1. A remittance from the facility showing Medicaid payment for a full calendar month for that individual during a month after June of the previous calendar year; 2. A copy of a state document that confirms Medicaid payment on behalf of the individual to the facility for a full calendar month after June of the previous calendar year; or 3. A screen print from the State s Medicaid systems showing that individual s institutional status based on at least a full calendar month stay for Medicaid payment purposes during a month after June of the previous calendar year. 4. Effective as of a date specified by the Secretary, but no earlier than January 1, 2012, a copy of: a) A State-issued Notice of Action, Notice of Determination, or Notice of Enrollment that includes the beneficiary s name and HCBS eligibility date during a month after June of the previous calendar year; b) A State-approved HCBS Service Plan that includes the beneficiary s name and effective date beginning during a month after June of the previous calendar year; c) A State-issued prior authorization approval letter for HCBS that includes the beneficiary s name and effective date beginning during a month after June of the previous calendar year; d) Other documentation provided by the State showing HCBS eligibility status during a month after June of the previous calendar year; or, e) A state-issued document, such as a remittance advice, confirming payment for HCBS, including the beneficiary s name and the dates of HCBS.

48 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 30 Chapter 2. Important phone numbers and resources When we receive the evidence showing your copayment level, we will update our system so that you can pay the correct copayment when you get your next prescription at the pharmacy. If you overpay your copayment, we will reimburse you. Either we will forward a check to you in the amount of your overpayment or we will offset future copayments. If the pharmacy has not collected a copayment from you and is carrying your copayment as a debt owed by you, we may make the payment directly to the pharmacy. If a state paid on your behalf, we may make payment directly to the state. Please contact Member Services if you have questions (phone numbers are printed on the back cover of this booklet). Medicare Coverage Gap Discount Program The Medicare Coverage Gap Discount Program provides manufacturer discounts on brand name drugs to Part D enrollees who have reached the coverage gap and are not receiving Extra Help. For branded drugs, the 50% discount provided by manufacturers excludes any dispensing fee for costs in the gap. The enrollee would pay the dispensing fee on the portion of the cost, which is paid by the plan (10% in 2017). If you reach the coverage gap, we will automatically apply the discount when your pharmacy bills you for your prescription and your Part D Explanation of Benefits (Part D EOB) will show any discount provided. Both the amount you pay and the amount discounted by the manufacturer count toward your out-of-pocket costs as if you had paid them and moves you through the coverage gap. The amount paid by the plan (10%) does not count toward your out-of-pocket costs. You also receive some coverage for generic drugs. If you reach the coverage gap, the plan pays 49% of the price for generic drugs and you pay the remaining 51% of the price. For generic drugs, the amount paid by the plan (49%) does not count toward your out-of-pocket costs. Only the amount you pay counts and moves you through the coverage gap. Also, the dispensing fee is included as part of the cost of the drug. If you have any questions about the availability of discounts for the drugs you are taking or about the Medicare Coverage Gap Discount Program in general, please contact Member Services (phone numbers are printed on the back cover of this booklet). What if you have coverage from a State Pharmaceutical Assistance Program (SPAP)? If you are enrolled in a State Pharmaceutical Assistance Program (SPAP), or any other program that provides coverage for Part D drugs (other than Extra Help ), you still get the 50% discount on covered brand name drugs. Also, the plan pays 10% of the costs of brand drugs in the coverage gap. The 50% discount and the 10% paid by the plan are both applied to the price of the drug before any SPAP or other coverage.

49 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 31 Chapter 2. Important phone numbers and resources What if you have coverage from an AIDS Drug Assistance Program (ADAP)? What is the AIDS Drug Assistance Program (ADAP)? The AIDS Drug Assistance Program (ADAP) helps ADAP-eligible individuals living with HIV/AIDS have access to life-saving HIV medications. Medicare Part D prescription drugs that are also covered by ADAP qualify for prescription cost-sharing assistance (Louisiana Drug Assistance Program L-DAP). Note: To be eligible for the ADAP operating in your State, individuals must meet certain criteria, including proof of State residence and HIV status, low income as defined by the State, and uninsured/under-insured status. If you are currently enrolled in an ADAP, it can continue to provide you with Medicare Part D prescription cost-sharing assistance for drugs on the ADAP formulary. In order to be sure you continue receiving this assistance, please notify your local ADAP enrollment worker of any changes in your Medicare Part D plan name or policy number. L-DAP: (800) , 1450 Poydras St., New Orleans, Louisiana For information on eligibility criteria, covered drugs, or how to enroll in the program, please call L-DAP: (800) What if you get Extra Help from Medicare to help pay your prescription drug costs? Can you get the discounts? No. If you get Extra Help, you already get coverage for your prescription drug costs during the coverage gap. What if you do not get a discount, and you think you should have? If you think that you have reached the coverage gap and did not get a discount when you paid for your brand name drug, you should review your next Part D Explanation of Benefits (Part D EOB) notice. If the discount does not appear on your Part D Explanation of Benefits, you should contact us to make sure that your prescription records are correct and up-to-date. If we do not agree that you are owed a discount, you can appeal. You can get help filing an appeal from your State Health Insurance Assistance Program (SHIP) (telephone numbers are in Section 3 of this Chapter) or by calling MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call State Pharmaceutical Assistance Programs Many states have State Pharmaceutical Assistance Programs that help some people pay for prescription drugs based on financial need, age, medical condition, or disabilities. Each state has different rules to provide drug coverage to its members. In Louisiana, the State Pharmaceutical Assistance Program is Louisiana SenioRx.

50 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 32 Chapter 2. Important phone numbers and resources Method Louisiana SenioRx Contact Information CALL (225) (877) Calls to this number are free. FAX (225) WRITE WEBSITE 525 Florida Street, 4th Floor Baton Rouge, Louisiana Or P. O. Box 61 Baton Rouge, LA SECTION 9 How to contact the Railroad Retirement Board The Railroad Retirement Board is an independent Federal agency that administers comprehensive benefit programs for the nation s railroad workers and their families. If you have questions regarding your benefits from the Railroad Retirement Board, contact the agency. If you receive your Medicare through the Railroad Retirement Board, it is important that you let them know if you move or change your mailing address Method Railroad Retirement Board Contact Information CALL Calls to this number are free. Available 9:00 am to 3:30 pm, Monday through Friday If you have a touch-tone telephone, recorded information and automated services are available 24 hours a day, including weekends and holidays. TTY This number requires special telephone equipment and is only for people who have difficulties with hearing or speaking. Calls to this number are not free. WEBSITE

51 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 33 Chapter 2. Important phone numbers and resources SECTION 10 Do you have group insurance or other health insurance from an employer? If you (or your spouse) get benefits from your (or your spouse s) employer or retiree group, call your or your spouse s employer/union benefits administrator if you have any questions about the plan s enrollment period, health benefits, premiums, prescription drug coverage or how that plan s coverage may work with OGB coverage.

52 CHAPTER 3 Using the plan s coverage for your medical services

53 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 35 Chapter 3. Using the plan s coverage for your medical services Chapter 3. Using the plan s coverage for your medical services SECTION 1 Things to know about getting your medical care covered as a member of our plan Section 1.1 What are network providers and covered services?...36 Section 1.2 Basic rules for getting your medical care covered by the plan...36 SECTION 2 Section 2.1 Section 2.2 Use providers in the plan s network to get your medical care You must choose a Medical Home - Primary Care Provider (MH-PCP) to provide and oversee your medical care...37 What kinds of medical care can you get without getting approval in advance from your MH-PCP?...39 Section 2.3 How to get care from specialists and other network providers...39 Section 2.4 How to get care from out-of-network providers...41 SECTION 3 How to get covered services when you have an emergency or urgent need for care or during a disaster Section 3.1 Getting care if you have a medical emergency...41 Section 3.2 Getting care when you have an urgent need for services...42 Section 3.3 Getting care during a disaster...43 SECTION 4 What if you are billed directly for the full cost of your covered services? Section 4.1 You can ask us to pay our share of the cost of covered services...44 Section 4.2 If services are not covered by our plan, you must pay the full cost...44 SECTION 5 How are your medical services covered when you are in a clinical research study? Section 5.1 What is a clinical research study?...45 Section 5.2 When you participate in a clinical research study, who pays for what?..46 SECTION 6 Rules for getting care covered in a religious non-medical health care institution Section 6.1 What is a religious non-medical health care institution?...47 Section 6.2 What care from a religious non-medical health care institution is covered by our plan?...47 SECTION 7 Rules for ownership of durable medical equipment Section 7.1 Will you own the durable medical equipment after making a certain number of payments under our plan?...48

54 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 36 Chapter 3. Using the plan s coverage for your medical services SECTION 1 Things to know about getting your medical care covered as a member of our plan This chapter explains what you need to know about using the plan to get your medical care covered. It gives definitions of terms and explains the rules you will need to follow to get the medical treatments, services, and other medical care that are covered by the plan. For the details on what medical care is covered by our plan and how much you pay when you get this care, use the benefits chart in the next chapter, Chapter 4 (Medical Benefits Chart, what is covered and what you pay). Section 1.1 What are network providers and covered services? Here are some definitions that can help you understand how you get the care and services that are covered for you as a member of our plan: Providers are doctors and other health care professionals licensed by the state to provide medical services and care. The term providers also includes hospitals and other health care facilities. Network providers are the doctors and other health care professionals, medical groups, hospitals, and other health care facilities that have an agreement with us to accept our payment and your cost-sharing amount as payment in full. We have arranged for these providers to deliver covered services to members in our plan. The providers in our network bill us directly for care they give you. When you see a network provider, you pay only your share of the cost for their services. Covered services include all the medical care, health care services, supplies, and equipment that are covered by our plan. Your covered services for medical care are listed in the benefits chart in Chapter 4. Section 1.2 Basic rules for getting your medical care covered by the plan As a Medicare health plan, Vantage Medicare Advantage ZERO Premium (HMO-POS) must cover all services covered by Original Medicare and must follow Original Medicare s coverage rules. Vantage Medicare Advantage ZERO Premium (HMO-POS) will generally cover your medical care as long as: The care you receive is included in the plan s Medical Benefits Chart (this chart is in Chapter 4 of this booklet). The care you receive is considered medically necessary. Medically necessary means that the services, supplies, or drugs are needed for the prevention, diagnosis, or treatment of your medical condition and meet accepted standards of medical practice.

55 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 37 Chapter 3. Using the plan s coverage for your medical services You have a network medical home - primary care provider (a MH-PCP) who is providing and overseeing your care. As a member of our plan, you must choose a network MH-PCP (for more information about this, see Section 2.1 in this chapter). You must receive your care from a network provider (for more information about this, see Section 2 in this chapter). In most cases, care you receive from an out-ofnetwork provider (a provider who is not part of our plan s network) will not be covered. Here are four exceptions: o The plan covers emergency care or urgently needed services that you get from an out-of-network provider. For more information about this, and to see what emergency or urgently needed services means, see Section 3 in this chapter. o If you need medical care that Medicare requires our plan to cover and the providers in our network cannot provide this care, you can get this care from an out-ofnetwork provider. An authorization from the plan is required prior to seeking care from an out-of-network provider. In this situation, you will pay the same as you would pay if you got the care from a network provider. For information about getting approval to see an out-of-network doctor, see Section 2.4 in this chapter. o The plan covers kidney dialysis services that you get at a Medicare-certified dialysis facility when you are temporarily outside the plan s service area. o Our plan does offer a Point of Service (POS) option for certain services. All such services obtained from out-of-network providers require prior authorization (except emergency services, urgently needed care and dialysis outside the plan s service area as described below) and are subject to a $250 deductible and forty percent (40%) coinsurance. In most cases, services obtained from out-of- network providers will be treated as in-plan if prior authorization has been obtained and will not be subject to the deductible and forty percent (40%) coinsurance, but in-network cost sharing would apply. Our plan will notify you in writing if an authorized service from an out-of-network provider will not be treated as in-plan. See the Benefits Chart in Chapter 4, Section 2.1 for detailed benefits which are covered under the POS option. SECTION 2 Section 2.1 Use providers in the plan s network to get your medical care You must choose a Medical Home - Primary Care Provider (MH-PCP) to provide and oversee your medical care What is a MH-PCP and what does the MH-PCP do for you? When you become a member of our plan, you must choose a plan provider to be your medical home primary care provider (MH-PCP). Your MH-PCP is a healthcare professional who specializes in Family or General Practice, Internal Medicine or Pediatrics and who meets state requirements and is trained to give you routine or basic medical care as well as arrange or coordinate the rest of the covered services you get as a member of our plan.

56 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 38 Chapter 3. Using the plan s coverage for your medical services This includes: x-rays laboratory tests therapies care from doctors who are specialists hospital admissions home health, and follow-up care. Coordinating your services includes checking or consulting with other plan providers about your care and how it is going. In some cases, your MH-PCP will need to get prior authorization (prior approval) from us. Since your MH-PCP will provide and coordinate your medical care, you should have all of your past medical records sent to your MH-PCP s office. How do you choose your MH-PCP? You can choose the MH-PCP you want from the plan s panel of providers. This plan includes MH-PCPs in the Affinity Health Network (AHN) in addition to MH-PCP s in the standard Vantage network. Copayments for Medical Home Primary Care Provider (MH-PCP) office visits and specialty care office visits, inpatient hospital stays, hospital outpatient surgery, and other outpatient services will be lower if the provider delivering the covered services is in the Affinity Health Network. Providers in the Affinity Health Network will be listed on the websites, or and in the Provider Directory. Each member can select his/her own personal MH-PCP from the AHN or the standard network MH-PCPs who specialize in Family or General Practice, Pediatrics, or Internal Medicine. Your selection can be made from the Provider Directory, by contacting Member Services, or by visiting our websites for a complete listing at or Once your choice is made, you can call Member Services or fill out a member change form which is located on our websites. Once we receive this information, the provider you selected will immediately be added to your membership record. MH-PCP selection is a very personal and private decision and Vantage would like you to be comfortable with your choice. You have the option of changing your selection at any time and you may change as often as you like. Changing your MH-PCP You may change your MH-PCP for any reason, at any time. Also, it is possible that your MH- PCP might leave our plan s network of providers and you would have to find a new MH-PCP. If this happens, you will have to switch to another provider who is part of our plan. Member Services can assist you in finding and selecting another provider. Phone numbers for Member Services are on the back cover of this booklet. They will check to be sure the MH-PCP you want to switch to is accepting new patients. Member Services will change your membership record to show the name of your new MH-PCP, and tell you when the change to your new MH-PCP will take effect.

57 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 39 Chapter 3. Using the plan s coverage for your medical services Section 2.2 What kinds of medical care can you get without getting approval in advance from your MH-PCP? You can get the services listed below without getting approval in advance from your MH-PCP. Routine women s health care, which includes breast exams, screening mammograms (xrays of the breast), Pap tests, and pelvic exams as long as you get them from a network provider. Flu shots, Hepatitis B vaccinations, and pneumonia vaccinations as long as you get them from a network provider. Emergency services from network providers or from out-of-network providers. Urgently needed services from network providers or from out-of-network providers when network providers are temporarily unavailable or inaccessible, e.g., when you are temporarily outside of the plan s service area. Kidney dialysis services that you get at a Medicare-certified dialysis facility when you are temporarily outside the plan s service area. (If possible, please call Member Services before you leave the service area so we can help arrange for you to have maintenance dialysis while you are away. Phone numbers for Member Services are printed on the back cover of this booklet.) Other services as listed in Chapter 4, Section 2.1 of the Benefits Chart, as long as they are not marked for approval in advance (denoted by the superscript (1) ) and you get them from a network provider. Section 2.3 How to get care from specialists and other network providers A specialist is a doctor who provides health care services for a specific disease or part of the body. There are many kinds of specialists. Here are a few examples: Oncologists care for patients with cancer. Cardiologists care for patients with heart conditions. Orthopedists care for patients with certain bone, joint, or muscle conditions. When your MH-PCP thinks that you need specialized treatment, he/she will be responsible for arranging appropriate care with other qualified health care professionals, specialists or facilities, such as radiologists, laboratories, surgeons, and hospitals. Copayments for Medical Home Primary Care Physicians (MH-PCP) and specialty care office visits, inpatient hospital stays, hospital outpatient surgery, and other outpatient services will be lower if the provider delivering the covered services are in the Affinity Health Network. If the specialist wants you to come back for more visits, your specialist can contact our plan for approval of additional visits. For some types of services, you may need to get approval in advance from our plan (this is called getting prior authorization ). Network providers whose services require an authorization are

58 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 40 Chapter 3. Using the plan s coverage for your medical services required to assist in obtaining the pre-authorization, but the member remains ultimately responsible. Refer to Chapter 4, Section 2.1 for information about which services require prior authorization. For example: Durable medical equipment Inpatient treatment Major diagnostic testing Outpatient therapy Surgery It is very important to get a prior authorization from us before you obtain such services. If you do not have a prior authorization (approval in advance) before you get such services, you may have to pay for these services yourself. What if a specialist or another network provider leaves our plan? We may make changes to the hospitals, doctors, and specialists (providers) that are part of your plan during the year. There are a number of reasons why your provider might leave your plan but if your doctor or specialist does leave your plan you have certain rights and protections that are summarized below: Even though our network of providers may change during the year, Medicare requires that we furnish you with uninterrupted access to qualified doctors and specialists. When possible we will provide you with at least 30 days notice that your provider is leaving our plan so that you have time to select a new provider. We will assist you in selecting a new qualified provider to continue managing your health care needs. If you are undergoing medical treatment you have the right to request, and we will work with you to ensure, that the medically necessary treatment you are receiving is not interrupted. If you believe we have not furnished you with a qualified provider to replace your previous provider or that your care is not being appropriately managed you have the right to file an appeal of our decision. If you find out your doctor or specialist is leaving your plan please contact us so we can assist you in finding a new provider and managing your care. Member Services can assist you in selecting a new provider from our Provider Directory and can provide phone numbers to call if you need assistance. Phone numbers are printed on the back cover of this booklet.

59 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 41 Chapter 3. Using the plan s coverage for your medical services Section 2.4 How to get care from out-of-network providers Our plan does offer a Point of Service (POS) option for certain services. All services obtained from out-of-network providers require prior authorization (except emergency services, urgently needed care and dialysis outside the plan s service area as described in the next section) and are subject to a $250 deductible and forty percent (40%) coinsurance. In most cases, services obtained from out-of-network providers will be treated as in-plan if prior authorization has been obtained and will not be subject to the deductible and forty percent (40%) coinsurance, but in-network cost sharing would apply. Our plan will notify you in writing if an authorized service from an out-of-network provider will not be treated as in-plan. See the Benefits Chart in Chapter 4, Section 2.1 for detailed benefits which are covered under the POS option. SECTION 3 Section 3.1 How to get covered services when you have an emergency or urgent need for care or during a disaster Getting care if you have a medical emergency What is a medical emergency and what should you do if you have one? A medical emergency is when you, or any other prudent layperson with an average knowledge of health and medicine, believe that you have medical symptoms that require immediate medical attention to prevent loss of life, loss of a limb, or loss of function of a limb. The medical symptoms may be an illness, injury, severe pain, or a medical condition that is quickly getting worse. If you have a medical emergency: Get help as quickly as possible. Call 911 for help or go to the nearest emergency room or hospital. Call for an ambulance if you need it. You do not need to get approval or a referral first from your MH-PCP. As soon as possible, make sure that our plan has been told about your emergency. We need to follow up on your emergency care. You or someone else should call to tell us about your emergency care, usually within 48 hours. If you need assistance, call Vantage Health Plan, Inc. at (318) or toll-free (844) (TTY (318) or toll-free (866) ). Hours are seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. What is covered if you have a medical emergency? You may get covered emergency medical care whenever you need it, anywhere in the world. Our plan covers ambulance services in situations where getting to the emergency room in any other

60 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 42 Chapter 3. Using the plan s coverage for your medical services way could endanger your health. For more information, see the Medical Benefits Chart in Chapter 4 of this booklet. You are always covered for emergency care no matter where you go. You may go to an emergency room anywhere in the world, if you reasonably believe you need emergency care. See Chapter 4 for more information. If you have an emergency, we will talk with the doctors who are giving you emergency care to help manage and follow up on your care. The doctors who are giving you emergency care will decide when your condition is stable and the medical emergency is over. After the emergency is over, you are entitled to follow-up care to be sure your condition continues to be stable. Your follow-up care will be covered by our plan. If your emergency care is provided by out-of-network providers, we will try to arrange for network providers to take over your care as soon as your medical condition and the circumstances allow. What if it was not a medical emergency? Sometimes it can be hard to know if you have a medical emergency. For example, you might go in for emergency care thinking that your health is in serious danger and the doctor may say that it was not a medical emergency after all. If it turns out that it was not an emergency, as long as you reasonably thought your health was in serious danger, we will cover your care. However, after the doctor has said that it was not an emergency, we will cover additional care only if you get the additional care in one of these two ways: You go to a network provider to get the additional care. or The additional care you get is considered urgently needed services and you follow the rules for getting this urgently needed services (for more information about this, see Section 3.2 below). Section 3.2 Getting care when you have an urgent need for services What are urgently needed services? Urgently needed services are non-emergency, unforeseen medical illness, injury, or condition that requires immediate medical care. Urgently needed services may be furnished by network providers or by out-of-network providers when network providers are temporarily unavailable or inaccessible. The unforeseen condition could, for example, be an unforeseen flare-up of a known condition that you have. What if you are in the plan s service area when you have an urgent need for care? You should always try to obtain urgently needed services from network providers. However, if providers are temporarily unavailable or inaccessible and it is not reasonable to wait to obtain

61 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 43 Chapter 3. Using the plan s coverage for your medical services care from your network provider when the network becomes available, we will cover urgently needed services that you get from an out-of-network provider. Urgent care centers provide a full scope of medical care without an appointment. Most have an x-ray and lab, so you can get one-stop-care. You may locate the nearest urgent care facility by searching an online urgent care database, or by word of mouth recommendations from friends, family, and other associates. Once you have narrowed your selection, call the urgent care clinic before your visit to verify their availability. Many urgent care walk-in clinics are open after hours, on weekends, and holidays, but may not be open 24 hours. Carry your Vantage insurance card with you. Contact your MH-PCP as soon as possible so he or she can coordinate your follow-up care when you return home. What if you are outside the plan s service area when you have an urgent need for care? When you are outside the service area and cannot get care from a network provider, our plan will cover urgently needed services that you get from any provider. Our plan does not cover urgently needed services or any other non-emergency services if you receive the care outside of the United States. Section 3.3 Getting care during a disaster If the Governor of your state, the U.S. Secretary of Health and Human Services, or the President of the United States declares a state of disaster or emergency in your geographic area, you are still entitled to care from your plan. Please visit the following websites: or for information on how to obtain needed care during a disaster. Generally, during a disaster, your plan will allow you to obtain care from out-of-network providers at in-network cost-sharing. If you cannot use a network pharmacy during a disaster, you may be able to fill your prescription drugs at an out-of-network pharmacy. Please see Chapter 5, Section 2.5 for more information.

62 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 44 Chapter 3. Using the plan s coverage for your medical services SECTION 4 Section 4.1 What if you are billed directly for the full cost of your covered services? You can ask us to pay our share of the cost of covered services If you have paid more than your share for covered services, or if you have received a bill for the full cost of covered medical services, go to Chapter 7 (Asking us to pay our share of a bill you have received for covered medical services or drugs) for information about what to do. Section 4.2 If services are not covered by our plan, you must pay the full cost Vantage Medicare Advantage ZERO Premium (HMO-POS) covers all medical services that are medically necessary, are listed in the plan s Medical Benefits Chart (this chart is in Chapter 4 of this booklet), and are obtained consistent with plan rules. You are responsible for paying the full cost of services that are not covered by our plan, either because they are not plan covered services, or they were obtained out-of-network and were not authorized. If you have any questions about whether we will pay for any medical service or care that you are considering, you have the right to ask us whether we will cover it before you get it. You also have the right to ask for this in writing. If we say we will not cover your services, you have the right to appeal our decision not to cover your care. Chapter 9 (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)) has more information about what to do if you want a coverage decision from us or want to appeal a decision we have already made. You may also call Member Services to get more information (phone numbers are printed on the back cover of this booklet). For covered services that have a benefit limitation, you pay the full cost of any services you get after you have used up your benefit for that type of covered service. For example, you may have to pay the full cost of any Physical Therapy services you get after our plan s payments reach the benefit limit. Paying for costs once a benefit limit has been reached will not count toward your out-of-pocket maximum. You can call Member Services when you want to know how much of your benefit limit you have already used.

63 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 45 Chapter 3. Using the plan s coverage for your medical services SECTION 5 Section 5.1 How are your medical services covered when you are in a clinical research study? What is a clinical research study? A clinical research study (also called a clinical trial ) is a way that doctors and scientists test new types of medical care, like how well a new cancer drug works. They test new medical care procedures or drugs by asking for volunteers to help with the study. This kind of study is one of the final stages of a research process that helps doctors and scientists see if a new approach works and if it is safe. Not all clinical research studies are open to members of our plan. Medicare first needs to approve the research study. If you participate in a study that Medicare has not approved, you will be responsible for paying all costs for your participation in the study. Once Medicare approves the study, someone who works on the study will contact you to explain more about the study and see if you meet the requirements set by the scientists who are running the study. You can participate in the study as long as you meet the requirements for the study and you have a full understanding and acceptance of what is involved if you participate in the study. If you participate in a Medicare-approved study, Original Medicare pays most of the costs for the covered services you receive as part of the study. When you are in a clinical research study, you may stay enrolled in our plan and continue to get the rest of your care (the care that is not related to the study) through our plan. If you want to participate in a Medicare-approved clinical research study, you do not need to get approval from us or your MH-PCP. The providers that deliver your care as part of the clinical research study do not need to be part of our plan s network of providers. Although you do not need to get our plan s permission to be in a clinical research study, you do need to tell us before you start participating in a clinical research study. Here is why you need to tell us: 1. We can let you know whether the clinical research study is Medicare-approved. 2. We can tell you what services you will get from clinical research study providers instead of from our plan. If you plan on participating in a clinical research study, contact Member Services (phone numbers are printed on the back cover of this booklet).

64 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 46 Chapter 3. Using the plan s coverage for your medical services Section 5.2 When you participate in a clinical research study, who pays for what? Once you join a Medicare-approved clinical research study, you are covered for routine items and services you receive as part of the study, including: Room and board for a hospital stay that Medicare would pay for even if you were not in a study. An operation or other medical procedure if it is part of the research study. Treatment of side effects and complications of the new care. Original Medicare pays most of the cost of the covered services you receive as part of the study. After Medicare has paid its share of the cost for these services, our plan will also pay for part of the costs. We will pay the difference between the cost-sharing in Original Medicare and your cost-sharing as a member of our plan. This means you will pay the same amount for the services you receive as part of the study as you would if you received these services from our plan. Here is an example of how the cost-sharing works: Let us say that you have a lab test that costs $100 as part of the research study. Let us also say that your share of the costs for this test is $20 under Original Medicare, but the test would be $10 under our plan s benefits. In this case, Original Medicare would pay $80 for the test and we would pay another $10. This means that you would pay $10, which is the same amount you would pay under our plan s benefits. In order for us to pay for our share of the costs, you will need to submit a request for payment. With your request, you will need to send us a copy of your Medicare Summary Notices or other documentation that shows what services you received as part of the study and how much you owe. Please see Chapter 7 for more information about submitting requests for payment. When you are part of a clinical research study, neither Medicare nor our plan will pay for any of the following: Generally, Medicare will not pay for the new item or service that the study is testing unless Medicare would cover the item or service even if you were not in a study. Items and services the study gives you or any participant for free. Items or services provided only to collect data, and not used in your direct health care. For example, Medicare would not pay for monthly CT scans done as part of the study if your medical condition would normally require only one CT scan. Do you want to know more? You can get more information about joining a clinical research study by reading the publication Medicare and Clinical Research Studies on the Medicare website (

65 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 47 Chapter 3. Using the plan s coverage for your medical services You can also call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call SECTION 6 Section 6.1 Rules for getting care covered in a religious nonmedical health care institution What is a religious non-medical health care institution? A religious non-medical health care institution is a facility that provides care for a condition that would ordinarily be treated in a hospital or skilled nursing facility. If getting care in a hospital or a skilled nursing facility is against a member s religious beliefs, we will instead provide coverage for care in a religious non-medical health care institution. You may choose to pursue medical care at any time for any reason. This benefit is provided only for Part A inpatient services (non-medical health care services). Medicare will only pay for non-medical health care services provided by religious non-medical health care institutions. Section 6.2 What care from a religious non-medical health care institution is covered by our plan? To get care from a religious non-medical health care institution, you must sign a legal document that says you are conscientiously opposed to getting medical treatment that is non-excepted. Non-excepted medical care or treatment is any medical care or treatment that is voluntary and not required by any federal, state, or local law. Excepted medical treatment is medical care or treatment that you get that is not voluntary or is required under federal, state, or local law. To be covered by our plan, the care you get from a religious non-medical health care institution must meet the following conditions: The facility providing the care must be certified by Medicare. Our plan s coverage of services you receive is limited to non-religious aspects of care. If you get services from this institution that are provided to you in a facility, the following conditions apply: o You must have a medical condition that would allow you to receive covered services for inpatient hospital care or skilled nursing facility care. o and you must get approval in advance from our plan before you are admitted to the facility or your stay will not be covered. Our plan s Inpatient Hospital coverage limits also apply. Please refer to the Benefits Chart in Chapter 4, Section 2.1 for limitations.

66 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 48 Chapter 3. Using the plan s coverage for your medical services SECTION 7 Section 7.1 Rules for ownership of durable medical equipment Will you own the durable medical equipment after making a certain number of payments under our plan? Durable medical equipment includes items such as oxygen equipment and supplies, wheelchairs, walkers, and hospital beds ordered by a provider for use in the home. Certain items, such as prosthetics, are always owned by the member. In this section, we discuss other types of durable medical equipment that must be rented. In Original Medicare, people who rent certain types of durable medical equipment own the equipment after paying copayments for the item for 13 months. As a member of Vantage Medicare Advantage ZERO Premium (HMO-POS), however, you usually will not acquire ownership of rented durable medical equipment items no matter how many copayments you make for the item while a member of our plan. Under certain limited circumstances we will transfer ownership of the durable medical equipment item. Call Member Services (phone numbers are printed on the back cover of this booklet) to find out about the requirements you must meet and the documentation you need to provide. What happens to payments you have made for durable medical equipment if you switch to Original Medicare? If you switch to Original Medicare after being a member of our plan: If you did not acquire ownership of the durable medical equipment item while in our plan, you will have to make 13 new consecutive payments for the item while in Original Medicare in order to acquire ownership of the item. Your previous payments while in our plan do not count toward these 13 consecutive payments. If you made payments for the durable medical equipment item under Original Medicare before you joined our plan, these previous Original Medicare payments also do not count toward the 13 consecutive payments. You will have to make 13 consecutive payments for the item under Original Medicare in order to acquire ownership. There are no exceptions to this case when you return to Original Medicare.

67 CHAPTER 4 Medical Benefits Chart (what is covered and what you pay)

68 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 50 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Chapter 4. Medical Benefits Chart (what is covered and what you pay) SECTION 1 Understanding your out-of-pocket costs for covered services Section 1.1 Types of out-of-pocket costs you may pay for your covered services...51 Section 1.2 What is your plan deductible?...51 Section 1.3 What is the most you will pay for Medicare Part A and Part B covered medical services?...52 Section 1.4 Our plan does not allow providers to balance bill you...52 SECTION 2 Use the Medical Benefits Chart to find out what is covered for you and how much you will pay Section 2.1 Your medical benefits and costs as a member of the plan...53 SECTION 3 What services are not covered by the plan? Section 3.1 Services we do not cover (exclusions)...92

69 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 51 Chapter 4. Medical Benefits Chart (what is covered and what you pay) SECTION 1 Understanding your out-of-pocket costs for covered services This chapter focuses on your covered services and what you pay for your medical benefits. It includes a Medical Benefits Chart that lists your covered services and shows how much you will pay for each covered service as a member of Vantage Medicare Advantage ZERO Premium (HMO-POS). Later in this chapter, you can find information about medical services that are not covered. It also explains limits on certain services. Section 1.1 Types of out-of-pocket costs you may pay for your covered services To understand the payment information we give you in this chapter, you need to know about the types of out-of-pocket costs you may pay for your covered services. The deductible is the amount you must pay for medical services before our plan begins to pay its share. (Section 1.2 tells you more about your plan deductible.) A copayment is the fixed amount you pay each time you receive certain medical services. You pay a copayment at the time you get the medical service. (The Medical Benefits Chart in Section 2.1 tells you more about your copayments.) Coinsurance is the percentage you pay of the total cost of certain medical services. You pay a coinsurance at the time you get the medical service. (The Medical Benefits Chart in Section 2.1 tells you more about your coinsurance.) Some people qualify for State Medicaid programs to help them pay their out-of-pocket costs for Medicare. (These Medicare Savings Programs include the Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and Qualified Disabled & Working Individuals (QDWI) programs.) If you are enrolled in one of these programs, you may still have to pay a copayment for the service, depending on the rules in your state. Section 1.2 What is your plan deductible? There is no deductible for services provided by in-network providers. Your yearly deductible for Point of Service benefits is $250. This is the amount you have to pay out-of-pocket before we will pay our share for your out-of-network covered medical services. Until you have paid the deductible amount, you must pay the full cost of your out-of-network covered services. Once you have paid your deductible, we will begin to pay our share of the costs for out-of-network covered medical services and you will pay your share (your coinsurance amount) for the rest of the calendar year. The maximum plan benefit for out-of-network covered services is $5,000. Once the plan has paid $5,000 for benefits, you will pay 100% of all out-of-network services for the rest of the calendar year.

70 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 52 Chapter 4. Medical Benefits Chart (what is covered and what you pay) The deductible does not apply to some services. This means that we will pay our share of the costs for these services even if you have not paid your deductible yet. The deductible does not apply to the following services: Emergency services Urgently needed services when network providers are temporarily unavailable or inaccessible Kidney dialysis services that you get at a Medicare-certified dialysis facility when you are temporarily outside the plan s service area Non-Medicare-covered services: o Preventive dental o Supplemental routine eye exams o Supplemental eye wear o Routine hearing exams Section 1.3 What is the most you will pay for Medicare Part A and Part B covered medical services? Because you are enrolled in a Medicare Advantage Plan, there is a limit to how much you have to pay out-of-pocket each year for in-network medical services that are covered under Medicare Part A and Part B (see the Medical Benefits Chart in Section 2.1, below). This limit is called the maximum out-of-pocket amount for medical services. As a member of Vantage Medicare Advantage ZERO Premium (HMO-POS), the most you will have to pay out-of-pocket for in-network covered Part A and Part B services in 2017 is $6,700. The amounts you pay for copayments and coinsurance for in-network covered services count toward this maximum out-of-pocket amount. (The amounts you pay for your plan premiums and for your Part D prescription drugs do not count toward your maximum out-of-pocket amount.) In addition, amounts you pay for some services (including ALL Point of Service benefits) do not count toward your maximum out-of-pocket amount. These services are marked with an asterisk (*) in the Medical Benefits Chart.) If you reach the maximum out-of-pocket amount of $6,700, you will not have to pay any out-of-pocket costs for the rest of the year for in-network covered Part A and Part B services. However, you must continue to pay your plan premium and the Medicare Part B premium (unless your Part B premium is paid for you by Medicaid or another third party). Section 1.4 Our plan does not allow providers to balance bill you As a member of Vantage Medicare Advantage ZERO Premium (HMO-POS), an important protection for you is that you only have to pay your cost-sharing amount when you get services covered by our plan. We do not allow providers to add additional separate charges, called balance billing. This protection (that you never pay more than your cost-sharing amount) applies even if we pay the provider less than the provider charges for a service and even if there is a dispute and we do not pay certain provider charges.

71 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 53 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Here is how this protection works. If your cost-sharing is a copayment (a set amount of dollars, for example, $15.00), then you pay only that amount for any covered services from a network provider. If your cost-sharing is a coinsurance (a percentage of the total charges), then you never pay more than that percentage. However, your cost depends on which type of provider you see: o If you receive the covered services from a network provider, you pay the coinsurance percentage multiplied by the plan s reimbursement rate (as determined in the contract between the provider and the plan). o If you receive the covered services from an out-of-network provider who participates with Medicare, you pay the coinsurance percentage multiplied by the Medicare payment rate for participating providers. (Remember, the plan covers services from out-of-network providers only in certain situations, such as when you get a prior authorization.) o If you receive the covered services from an out-of-network provider who does not participate with Medicare, you pay the coinsurance percentage multiplied by the Medicare payment rate for non-participating providers. (Remember, the plan covers services from out-of-network providers only in certain situations, such as when you get a prior authorization.) If you believe a provider has balance billed you, call Member Services (phone numbers are printed on the back cover of this booklet). SECTION 2 Section 2.1 Use the Medical Benefits Chart to find out what is covered for you and how much you will pay Your medical benefits and costs as a member of the plan The Medical Benefits Chart on the following pages lists the services Vantage Medicare Advantage ZERO Premium (HMO-POS) covers and what you pay out-of-pocket for each service. The services listed in the Medical Benefits Chart are covered only when the following coverage requirements are met: Your Medicare covered services must be provided according to the coverage guidelines established by Medicare. Your services (including medical care, services, supplies, and equipment) must be medically necessary. Medically necessary means that the services, supplies, or drugs are needed for the prevention, diagnosis, or treatment of your medical condition and meet accepted standards of medical practice. You have a medical home - primary care provider (a MH-PCP) who is providing and overseeing your care.

72 Apple icon. You 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 54 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Some of the services listed in the Medical Benefits Chart are covered only if your doctor or other network provider gets approval in advance (sometimes called prior authorization ) from us. Covered services that need approval in advance are marked in the Medical Benefits Chart by a footnote designated by a (1). In addition, the following services not listed in the Benefits Chart require prior authorization: Pain Management Allergenic Testing All other services not specifically listed in the Medical Benefits Chart All Medicare-covered services performed by out-of-network providers Other important things to know about our coverage: Like all Medicare health plans, we cover everything that Original Medicare covers. For some of these benefits, you pay more in our plan than you would in Original Medicare. For others, you pay less. (If you want to know more about the coverage and costs of Original Medicare, look in your Medicare & You 2017 Handbook. View it online at or ask for a copy by calling MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call ) For all preventive services that are covered at no cost under Original Medicare, we also cover the service at no cost to you. However, if you also are treated or monitored for an existing medical condition during the visit when you receive the preventive service, a copayment will apply for the care received for the existing medical condition. Sometimes, Medicare adds coverage under Original Medicare for new services during the year. If Medicare adds coverage for any services during 2017, either Medicare or our plan will cover those services. will see this apple next to the preventive services in the benefits chart.

73 l Annual 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 55 Chapter 4. Medical Benefits Chart (what is covered and what you pay) *These services do not count toward your maximum out-of-pocket amount. (1) These services need approval in advance (prior authorization). Medical Benefits Chart Services that are covered for you Abdominal aortic aneurysm screening A one-time screening ultrasound for people at risk. The plan only covers this screening if you have certain risk factors and if you get a referral for it from your physician, physician assistant, nurse practitioner, or clinical nurse specialist. Ambulance services (1) Covered ambulance services include fixed wing, rotary wing, and ground ambulance services, to the nearest appropriate facility that can provide care if they are furnished to a member whose medical condition is such that other means of transportation could endanger the person s health or if authorized by the plan. Non-emergency transportation by ambulance is appropriate if it is documented that the member s condition is such that other means of transportation could endanger the person s health and that transportation by ambulance is medically required. wellness visit If you have had Part B for longer than 12 months, you can get an annual wellness visit to develop or update a personalized prevention plan based on your current health and risk factors. This is covered once every 12 months. Note: Your first annual wellness visit cannot take place within 12 months of your Welcome to Medicare preventive visit. However, you do not need to have had a Welcome to Medicare visit to be covered for annual wellness visits after you have had Part B for 12 months. What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for beneficiaries eligible for this preventive screening. *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: $250 copayment *Out-of-network (POS): $250 copayment; subject to POS deductible The ambulance copayment is per one-way trip. In-network: There is no coinsurance, copayment, or deductible for the annual wellness visit. *Out-of-network (POS): 40% of the cost; subject to POS deductible

74 n. Bone. Breast n. Cardiovascular 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 56 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you mass measurement For qualified individuals (generally, this means people at risk of losing bone mass or at risk of osteoporosis), the following services are covered every 24 months or more frequently if medically necessary: procedures to identify bone mass, detect bone loss, or determine bone quality, including a physician s interpretation of the results. cancer screening (mammograms) Covered services include: One baseline mammogram between the ages of 35 and 39 One screening mammogram every 12 months for women age 40 and older Clinical breast exams once every 24 months Cardiac rehabilitation services (1) Comprehensive programs of cardiac rehabilitation services that include exercise, education, and counseling are covered for members who meet certain conditions with a doctor s order. The plan also covers intensive cardiac rehabilitation programs that are typically more rigorous or more intense than cardiac rehabilitation programs. Cardiac (heart) rehab services (for a maximum of 2 onehour sessions per day for up to 36 sessions up to 36 weeks). disease risk reduction visit (therapy for cardiovascular disease) We cover one visit per year with your medical home - primary care doctor to help lower your risk for cardiovascular disease. During this visit, your doctor may discuss aspirin use (if appropriate), check your blood pressure, and give you tips to make sure you are eating well. What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for Medicare-covered bone mass measurement *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: There is no coinsurance, copayment, or deductible for covered screening mammograms. *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: There is no coinsurance, copayment, or deductible for the intensive behavioral therapy cardiovascular disease preventive benefit. *Out-of-network (POS): 40% of the cost; subject to POS deductible

75 n. Cardiovascular. Cervical 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 57 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you disease testing Blood tests for the detection of cardiovascular disease (or abnormalities associated with an elevated risk of cardiovascular disease) once every 5 years (60 months). What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for cardiovascular disease testing that is covered once every 5 years. *Out-of-network (POS): 40% of the cost; subject to POS deductible and vaginal cancer screening Covered services include: For all women: Pap tests and pelvic exams are covered once every 24 months If you are at high risk of cervical cancer or have had an abnormal Pap test and are of childbearing age: one Pap test every 12 months Chiropractic services (1) Covered services include: We cover only manual manipulation of the spine to correct subluxation In-network: There is no coinsurance, copayment, or deductible for Medicare-covered preventive Pap and pelvic exams. *Out-of-network (POS): 40% of the cost; subject to POS deductible Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position): In-network: $20 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Colorectal cancer screening For people 50 and older, the following are covered: Flexible sigmoidoscopy (or screening barium enema as an alternative) every 48 months One of the following every 12 months: Guaiac-based fecal occult blood test (gfobt) Fecal immunochemical test (FIT) In-network: There is no coinsurance, copayment, or deductible for a Medicarecovered colorectal cancer screening exam. *Out-of-network (POS): 40% of the cost; subject to POS deductible

76 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 58 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services DNA based colorectal screening every 3 years For people at high risk of colorectal cancer, we cover: Screening colonoscopy (or screening barium enema as an alternative) every 24 months For people not at high risk of colorectal cancer, we cover: Screening colonoscopy every 10 years (120 months), but not within 48 months of a screening sigmoidoscopy Dental services Limited Medicare-covered dental services (this does not include services in connection with preventive care, treatment, filling, removal, or replacement of teeth) (1) : In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible In general, preventive dental services (such as cleaning, routine dental exams, and dental x-rays) are not covered by Original Medicare, but we cover: Preventive dental services o Cleaning Preventive dental services: Preventive dental services consist of cleaning, dental x- rays, and an oral exam. NOTE: Our plan pays up to $200 of the cost every year for preventive dental services from in-network or out-of-network providers. Cost is defined as the Vantage allowable. Cleaning: *In-network: $0 copayment. You are covered for up to 1 every six months. *Out-of-network (POS): $0 copayment. You are covered for up to 1 every six months.

77 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 59 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you o Dental x-rays What you must pay when you get these services Dental X-ray(s): *In-network: $0 copayment. You are covered for up to 1 every year. *Out-of-network (POS): $0 copayment. You are covered for up to 1 every year. o Oral exam Oral Exam: *In-network: $0 copayment. You are covered for up to 1 every six months. *Out-of-network (POS): $0 copayment. You are covered for up to 1 every six months. Depression screening We cover one screening for depression per year. The screening must be done in a primary care setting that can provide follow-up treatment and referrals. In-network: There is no coinsurance, copayment, or deductible for an annual depression screening visit. *Out-of-network (POS): 40% of the cost; subject to POS deductible Diabetes screening We cover this screening (includes fasting glucose tests) if you have any of the following risk factors: high blood pressure (hypertension), history of abnormal cholesterol and triglyceride levels (dyslipidemia), obesity, or a history of high blood sugar (glucose). Tests may also be covered if you meet other requirements, like being overweight and having a family history of diabetes. Based on the results of these tests, you may be eligible for up to two diabetes screenings every 12 months. In-network: There is no coinsurance, copayment, or deductible for the Medicare covered diabetes screening tests. *Out-of-network (POS): 40% of the cost; subject to POS deductible

78 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 60 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Diabetes self-management training, diabetic services and supplies For all people who have diabetes (insulin and non-insulin users). Covered services include: Supplies to monitor your blood glucose: Blood glucose monitor, blood glucose test strips, lancet devices and lancets, and glucose-control solutions for checking the accuracy of test strips and monitors. What you must pay when you get these services Diabetes monitoring supplies: In-network: Preferred pharmacy mail order (Saint John Pharmacy): You pay nothing. Standard network: 20% of the cost For people with diabetes who have severe diabetic foot disease: One pair per calendar year of therapeutic custom-molded shoes (including inserts provided with such shoes) and two additional pairs of inserts, or one pair of depth shoes and three pairs of inserts (not including the non-customized removable inserts provided with such shoes). Coverage includes fitting. (1) *Out-of-network (POS): 40% of the cost; subject to POS deductible Diabetic supplies are limited to Glucocard Shine strips (50 count) and Glucocard Shine meters manufactured by Arkray USA. These meters and strips as well as lancets can be purchased through preferred mail order for 0% coinsurance. 20% coinsurance applies to purchases from standard network providers. Therapeutic shoes or inserts: In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible

79 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 61 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Diabetes self-management training is covered under certain conditions. (1) Diabetes self-management training: In-network: AHN network: You pay nothing. Standard network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible Durable medical equipment and related supplies (1) (For a definition of durable medical equipment, see Chapter 12 of this booklet.) Covered items include, but are not limited to: wheelchairs, crutches, hospital bed, IV infusion pump, oxygen equipment, nebulizer, and walker. We cover all medically necessary durable medical equipment covered by Original Medicare. If our supplier in your area does not carry a particular brand or manufacturer, you may ask them if they can special order it for you. The most recent list of suppliers is also available on our websites at or In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible

80 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 62 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Emergency care Emergency care refers to services that are: Furnished by a provider qualified to furnish emergency services, and Needed to evaluate or stabilize an emergency medical condition. A medical emergency is when you, or any other prudent layperson with an average knowledge of health and medicine, believe that you have medical symptoms that require immediate medical attention to prevent loss of life, loss of a limb, or loss of function of a limb. The medical symptoms may be an illness, injury, severe pain, or a medical condition that is quickly getting worse. Cost sharing for necessary emergency services furnished out-of-network is the same as for such services furnished innetwork. World-wide emergency/urgent coverage is covered. Health and wellness education programs The Silver Sneakers program for members will offer a specially-trained Program Adviser at the fitness center to orientate members to the facility and exercise equipment. It will offer customized Silver Sneakers classes designed exclusively for older adults who want to improve their strength, flexibility, balance and endurance. It will offer access to online support, virtual exercise video demonstrations, health-related articles and recipes. What you must pay when you get these services $75 copayment If you are admitted to the hospital within 72 hours, you do not have to pay your share of the cost for emergency care. See the "Inpatient Hospital Care" category in this Medical Benefits Chart for associated costs with the inpatient stay. If you receive emergency care at an out-of-network hospital and need inpatient care after your emergency condition is stabilized, a) you must return to a network hospital in order for your care to continue to be covered (1) or b) you must have your inpatient care at the outof-network hospital authorized by the plan and your cost is the cost-sharing you would pay for POS benefits. You pay nothing for the following supplemental education/wellness programs: Health Education Silver Sneakers health club membership/fitness classes

81 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 63 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Hearing services Diagnostic hearing and balance evaluations performed by your provider to determine if you need medical treatment are covered as outpatient care when furnished by a physician, audiologist, or other qualified provider. (1) Supplemental routine hearing exams What you must pay when you get these services Exam to diagnose and treat hearing and balance issues: In-network: Specialist (AHN network): $0 copayment Specialist (standard network): 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible Routine hearing exam: NOTE: Routine hearing exam covered up to $40 of the cost once per year after the age of 65. Cost is defined as the Vantage allowable. *In-network: $0 copayment. You are covered for up to 1 every year. *Out-of-network (POS): $0 copayment. You are covered for up to 1 every year. HIV screening For people who ask for an HIV screening test or who are at increased risk for HIV infection, we cover: One screening exam every 12 months For women who are pregnant, we cover: Up to three screening exams during a pregnancy In-network: There is no coinsurance, copayment, or deductible for beneficiaries eligible for Medicare-covered preventive HIV screening. *Out-of-network (POS): 40% of the cost; subject to POS deductible

82 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 64 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Home health agency care (1) Prior to receiving home health services, a doctor must certify that you need home health services and will order home health services to be provided by a home health agency. You must be homebound, which means leaving home is a major effort. Covered services include, but are not limited to: Part-time or intermittent skilled nursing and home health aide services (To be covered under the home health care benefit, your skilled nursing and home health aide services combined must total fewer than 8 hours per day and 35 hours per week) Physical therapy, occupational therapy, and speech therapy Medical and social services Medical equipment and supplies Hospice care You may receive care from any Medicare-certified hospice program. You are eligible for the hospice benefit when your doctor and the hospice medical director have given you a terminal prognosis certifying that you are terminally ill and have 6 months or less to live if your illness runs its normal course. Your hospice doctor can be a network provider or an out-of-network provider. Covered services include: Drugs for symptom control and pain relief Short-term respite care Home care For hospice services and for services that are covered by Medicare Part A or B and are related to your terminal prognosis: Original Medicare (rather than our plan) will pay for your hospice services and any Part A and Part B services related to your terminal prognosis. While you are in the hospice program, your hospice provider will bill Original Medicare for the services that Original Medicare pays for. For services that are covered by Medicare Part A or B and are not related to your terminal prognosis: If you need nonemergency, non-urgently needed services that are covered under Medicare Part A or B and that are not related to your What you must pay when you get these services In-network: You pay nothing *Out-of-network (POS): 40% of the cost; subject to POS deductible When you enroll in a Medicare-certified hospice program, your hospice services and your Part A and Part B services related to your terminal prognosis are paid for by Original Medicare, not Vantage Medicare Advantage ZERO Premium (HMO-POS). You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care.

83 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 65 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you terminal prognosis, your cost for these services depends on whether you use a provider in our plan s network: If you obtain the covered services from a network provider, you only pay the plan cost-sharing amount for in-network services If you obtain the covered services from an out-ofnetwork provider, you pay the cost-sharing under Feefor-Service Medicare (Original Medicare) For services that are covered by Vantage Medicare Advantage ZERO Premium (HMO-POS) but are not covered by Medicare Part A or B: Vantage Medicare Advantage ZERO Premium (HMO-POS) will continue to cover plancovered services that are not covered under Part A or B whether or not they are related to your terminal prognosis. You pay your plan cost-sharing amount for these services. For drugs that may be covered by the plan s Part D benefit: Drugs are never covered by both hospice and our plan at the same time. For more information, please see Chapter 5, Section 9.4 (What if you are in Medicarecertified hospice?). Note: If you need non-hospice care (care that is not related to your terminal prognosis), you should contact us to arrange the services. Getting your non-hospice care through our network providers will lower your share of the costs for the services. Our plan covers hospice consultation services (one time only) for a terminally ill person who has not elected the hospice benefit. (1) What you must pay when you get these services Hospice consultation: In-network: MH-PCP (AHN network): $5 copayment MH-PCP (standard network): $15 copayment Specialist (AHN network):$40 copayment Specialist (standard network):$50 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible

84 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 66 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Immunizations Covered Medicare Part B services include: Pneumonia vaccine Flu shots, once a year in the fall or winter Hepatitis B vaccine if you are at high or intermediate risk of getting Hepatitis B Other vaccines if you are at risk and they meet Medicare Part B coverage rules We also cover some vaccines (1) under our Part D prescription drug benefit, such as those that help prevent hepatitis A, measles, mumps, rabies, tetanus and herpes zoster (shingles). What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for the pneumonia, influenza, and Hepatitis B vaccines. *Out-of-network (POS): 40% of the cost; subject to POS deductible Part D cost sharing applies. Inpatient hospital care (1) Includes inpatient acute, inpatient rehabilitation, long-term care hospitals and other types of inpatient hospital services. Inpatient hospital care starts the day you are formally admitted to the hospital with a doctor s order. The day before you are discharged is your last inpatient day. Covered services include but are not limited to: Semi-private room (or a private room if medically necessary) Meals including special diets Regular nursing services Costs of special care units (such as intensive care or coronary care units) Drugs and medications Lab tests X-rays and other radiology services Necessary surgical and medical supplies Use of appliances, such as wheelchairs Operating and recovery room costs Physical, occupational, and speech language therapy Inpatient substance abuse services

85 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 67 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Inpatient hospital care (1) Under certain conditions, the following types of transplants are covered: corneal, kidney, kidneypancreatic, heart, liver, lung, heart/lung, bone marrow, stem cell, and intestinal/multivisceral. If you need a transplant, we will arrange to have your case reviewed by a Medicare-approved transplant center that will decide whether you are a candidate for a transplant. Transplant providers may be local or outside of the service area. If our in-network transplant services are at a distant location, you may choose to go locally or distant as long as the local transplant providers are willing to accept the Original Medicare rate. If Vantage Medicare Advantage ZERO Premium (HMO-POS) provides transplant services at a distant location (outside of the service area) and you chose to obtain transplants at this distant location, we will arrange or pay for appropriate lodging and transportation costs for you and a companion. Such costs will be paid in accordance with the applicable transplant contract. Blood - including storage and administration. All components of blood are covered beginning with the first pint used. Physician services Note: To be an inpatient, your provider must write an order to admit you formally as an inpatient of the hospital. Even if you stay in the hospital overnight, you might still be considered an outpatient. If you are not sure if you are an inpatient or an outpatient, you should ask the hospital staff. You can also find more information in a Medicare fact sheet called Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask! This fact sheet is available on the 2 at or by calling MEDICARE ( ). TTY users call You can call these numbers for free, 24 hours a day, 7 days a week. What you must pay when you get these services Our plan covers 90 days each benefit period. A benefit period starts the day you go into a hospital or skilled nursing facility. It ends when you go for 60 days in a row without hospital or skilled nursing care. If you go into the hospital after one benefit period has ended, a new benefit period begins. There is no limit to the number of benefit periods you can have. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days. In-network: AHN network: $200 copayment per day for days 1 through 5 Standard network: $345 copayment per day for days 1 through 5 Copayment does not apply to day of discharge. You pay nothing per day for days 6 through 90.

86 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 68 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services *Out-of-network (POS): 40% of the cost per stay; subject to POS deductible If you get authorized inpatient care at an out-of-network hospital after your emergency condition is stabilized, your cost is the cost-sharing you would pay for POS benefits. Inpatient mental health care (1) Covered services include mental health care services that require a hospital stay. You get up to 190 days of inpatient psychiatric hospital care in a lifetime. Inpatient psychiatric hospital services count toward the 190-day lifetime limitation only if certain conditions are met. Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. Our plan covers a total of 90 days for inpatient hospital stays each benefit period. A benefit period starts the day you go into a hospital or skilled nursing facility. It ends when you go for 60 days in a row without hospital or skilled nursing care. If you go into the hospital after one benefit period has ended, a new benefit period begins. There is no limit to the number of benefit periods you can have. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days.

87 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 69 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services The lifetime limit of 190 days does not apply to inpatient mental services provided in a general hospital. In-network: $390 copayment per day for days 1 through 4 Copayment does not apply to day of discharge. You pay nothing per day for days 5 through 90. *Out-of-network (POS): 40% of the cost per stay; subject to POS deductible Inpatient services covered during a non-covered inpatient stay (1) If you have exhausted your inpatient benefits or if the inpatient stay is not reasonable and necessary, we will not cover your inpatient stay. However, in some cases, we will cover certain services you receive while you are in the hospital or the skilled nursing facility (SNF). Covered services include, but are not limited to: Physician services In-network: 20% of the cost Diagnostic tests (like lab tests) X-ray, radium, and isotope therapy including technician materials and services $0 copayment for Medicarecovered lab services Diagnostic radiology services (such as MRIs, CT scans): 20% of the cost Diagnostic tests and procedures: 20% of the cost

88 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 70 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Surgical dressings Splints, casts and other devices used to reduce fractures and dislocations Prosthetics and orthotics devices (other than dental) that replace all or part of an internal body organ (including contiguous tissue), or all or part of the function of a permanently inoperative or malfunctioning internal body organ, including replacement or repairs of such devices Leg, arm, back, and neck braces; trusses, and artificial legs, arms, and eyes including adjustments, repairs, and replacements required because of breakage, wear, loss, or a change in the patient s physical condition Physical therapy, speech therapy, and occupational therapy Therapeutic radiology services (such as radiation treatment for cancer): 20% of the cost 20% of the cost for surgical dressings 20% of the cost for splints, casts and other devices 20% of the cost for Medicare-covered prosthetic and orthotic devices, leg, arm, back, and neck braces 20% of the cost for Medicarecovered physical therapy, speech therapy, and occupational therapy *Out-of-network (POS): 40% of the cost; subject to POS deductible Medical nutrition therapy (1) This benefit is for people with diabetes, renal (kidney) disease (but not on dialysis), or after a kidney transplant when ordered by your doctor. We cover 3 hours of one-on-one counseling services during your first year that you receive medical nutrition therapy services under Medicare (this includes our plan, any other Medicare Advantage plan, or Original Medicare), and 2 hours each year after that. If your condition, treatment, or diagnosis changes, you may be able to receive more hours In-network: There is no coinsurance, copayment, or deductible for beneficiaries eligible for Medicare-covered medical nutrition therapy services. *Out-of-network (POS): 40% of the cost; subject to POS deductible

89 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 71 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services of treatment with a physician s order. A physician must prescribe these services and renew their order yearly if your treatment is needed into the next calendar year. Medicare Part B prescription drugs These drugs are covered under Part B of Original Medicare. Members of our plan receive coverage for these drugs through our plan. Covered drugs include: Drugs that usually are not self-administered by the patient and are injected or infused while you are getting physician, hospital outpatient, or ambulatory surgical center services Drugs you take using durable medical equipment (such as nebulizers) that were authorized by the plan Clotting factors you give yourself by injection if you have hemophilia Immunosuppressive Drugs, if you were enrolled in Medicare Part A at the time of the organ transplant Injectable osteoporosis drugs, if you are homebound, have a bone fracture that a doctor certifies was related to post-menopausal osteoporosis, and cannot selfadminister the drug Antigens Certain oral anti-cancer drugs and anti-nausea drugs Certain drugs for home dialysis, including heparin, the antidote for heparin when medically necessary, topical anesthetics, and erythropoiesis-stimulating agents (such as Epogen, Procrit, Epoetin Alfa, Aranesp, or Darbepoetin Alfa) Intravenous Immune Globulin for the home treatment of primary immune deficiency diseases Chapter 5 explains the Part D prescription drug benefit, including rules you must follow to have prescriptions covered. What you pay for your Part D prescription drugs through our plan is explained in Chapter 6. For Part B drugs such as chemotherapy drugs (1) : In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible Other Part B drugs (1) : In-network: 0-20% of the cost depending on the drug Part B drugs given in the MH- PCP office are covered at 100%, except specialty drugs. 20% coinsurance for all other Part B drugs, including specialty drugs. Specialty drugs given in all settings require authorization. *Out-of-network (POS): 40% of the cost; subject to POS deductible

90 . Obesity 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 72 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you screening and therapy to promote sustained weight loss If you have a body mass index of 30 or more, we cover intensive counseling to help you lose weight. This counseling is covered if you get it in a primary care setting, where it can be coordinated with your comprehensive prevention plan. Talk to your primary care doctor or practitioner to find out more. Outpatient diagnostic tests and therapeutic services and supplies Covered services include, but are not limited to: X-rays What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for preventive obesity screening and therapy. *Out-of-network (POS): 40% of the cost; subject to POS deductible Outpatient x-rays: In-network: AHN network: $100 copayment Standard network: $200 copayment Radiation (radium and isotope) therapy including technician materials and supplies (1) *Out-of-network (POS): 40% of the cost; subject to POS deductible Therapeutic radiology services (such as radiation treatment for cancer): In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible Surgical supplies, such as dressings (1) Surgical supplies: In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible

91 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 73 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Splints, casts and other devices used to reduce fractures and dislocations (1) Laboratory tests Blood - including storage and administration. All components of blood are covered beginning with the first pint used. Other outpatient diagnostic tests including major diagnostic radiology services. Major diagnostic radiology services include, but are not limited to: Bone Scan, Cardiac Stress Test, CT Scan, Echocardiogram, EEG, EMG, Event Monitor, HIDA Scan, Holter Monitor, MRI, Nerve Conduction Study, Nuclear Cardiac Stress Test, PET Scan, Pulmonary Function Test, and Sleep Study. (1) Splints, casts and other devices: In-network: 20% of the cost for Medicare-covered splints, casts and other devices *Out-of-network (POS): 40% of the cost; subject to POS deductible Lab services: In-network: You pay nothing *Out-of-network (POS): 40% of the cost; subject to POS deductible Outpatient blood: In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible Diagnostic radiology services (such as MRIs, CT scans): In-network: AHN network: $100 copayment Standard network: $200 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible

92 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 74 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Diagnostic tests and procedures: In-network: AHN network: $100 copayment Standard network: $200 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible The copayment is per day and applies to the following combination of services: Outpatient X-ray services, Diagnostic Radiology services, and Diagnostic Tests and Procedures. Once the copayment is met, such additional outpatient services rendered on that day are paid by the plan at 100%. The following services are NOT included in this daily copayment: Lab services ($0 cost share) and Medicarecovered therapeutic radiology services (20% coinsurance applies). Authorizations are not required for non-major diagnostic tests. If an office visit is billed on same date of service as the procedure/test, the applicable office visit copayment applies ($5 AHN/$15 standard network MH-PCP or $40 AHN/$50 standard network Specialist).

93 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 75 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Outpatient hospital services We cover medically-necessary services you get in the outpatient department of a hospital for diagnosis or treatment of an illness or injury. Covered services include, but are not limited to: Services in an emergency department or outpatient clinic, such as observation services (1) or outpatient surgery (1) What you must pay when you get these services Ambulatory surgical center: In-network: $450 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Laboratory and diagnostic tests billed by the hospital Mental health care, including care in a partialhospitalization program, if a doctor certifies that inpatient treatment would be required without it (1) Outpatient hospital: In-network: AHN network: $200 copayment Standard network: $450 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Lab services: In-network: $0 copayment for Medicare-covered lab services *Out-of-network (POS): 40% of the cost; subject to POS deductible Individual and group therapy visits: In-network: AHN network: $30 copayment Standard network: $40 copayment *Out-of-network (POS): 40% of the cost; subject to

94 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 76 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services X-rays and other radiology services (1) billed by the hospital POS deductible Individual and group therapy visit with a psychiatrist: In-network: AHN network: $30 copayment Standard network: $40 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Partial hospitalization program: In-network: $55 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Outpatient x-rays: In-network: AHN network: $100 copayment Standard network: $200 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Diagnostic radiology services (such as MRIs, CT scans): In-network: AHN network: $100 copayment Standard network: $200 copayment

95 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 77 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services *Out-of-network (POS): 40% of the cost; subject to POS deductible Diagnostic tests and procedures: In-network: AHN network: $100 copayment Standard network: $200 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible The copayment is per day and applies to the following combination of services: Outpatient X-ray services, Diagnostic Radiology services, and Diagnostic Tests and Procedures. Once the copayment is met, such additional outpatient services rendered on that day are paid by the plan at 100%. The following services are NOT included in this daily copayment: Lab services ($0 cost share) and Medicarecovered therapeutic radiology services (20% coinsurance applies). Authorizations are not required for non-major diagnostic tests. Major diagnostic radiology services consists of: bone scan, cardiac stress test, CT scan, Echocardiogram, EEG, EMG, event monitor, HIDA scan,

96 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 78 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services holter monitor, MRI, nerve conduction study, nuclear cardiac stress test, PET scan, pulmonary function test, sleep study. If an office visit is billed on same date of service as the procedure/test, the applicable office visit copayment applies ($5 AHN/$15 standard network MH-PCP or $40 AHN/$50 standard network Specialist). Medical supplies such as splints and casts (1) Medical supplies: In-network: 20% of the cost Certain screenings and preventive services Certain drugs and biologicals that you cannot give yourself (1) *Out-of-network (POS): 40% of the cost; subject to POS deductible Preventive services: In-network: For all preventive services that are covered at no cost under Original Medicare, we also cover the service at no cost to you. *Out-of-network (POS): 40% of the cost; subject to POS deductible Part B-covered drugs and chemotherapy drugs: In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible

97 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 79 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Note: Unless the provider has written an order to admit you as an inpatient to the hospital, you are an outpatient and pay the cost-sharing amounts for outpatient hospital services. Even if you stay in the hospital overnight, you might still be considered an outpatient. If you are not sure if you are an outpatient, you should ask the hospital staff. You can also find more information in a Medicare fact sheet called Are You a Hospital Inpatient or Outpatient? If You Have Medicare Ask! This fact sheet is available on the Web at or by calling MEDICARE ( ). TTY users call You can call these numbers for free, 24 hours a day, 7 days a week. Outpatient mental health care (1) Covered services include: Mental health services provided by a state-licensed psychiatrist or doctor, clinical psychologist, clinical social worker, clinical nurse specialist, nurse practitioner, physician assistant, or other Medicare-qualified mental health care professional as allowed under applicable state laws. Outpatient group and individual therapy visit: In-network: AHN network: $30 copayment Standard network: $40 copayment *Out-of-network (POS): Copayment for Medicarecovered outpatient group and individual therapy visit applies to facility and professional claims. *Out-of-network (POS): 40% of the cost; subject to POS deductible

98 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 80 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Outpatient group and individual therapy visit with a psychiatrist: In-network: AHN network: $30 copayment Standard network: $40 copayment Copayment for Medicarecovered outpatient group and individual therapy visit with a psychiatrist applies to facility and professional claims. *Out-of-network (POS): 40% of the cost; subject to POS deductible Outpatient rehabilitation services (1) Covered services include: physical therapy, occupational therapy, and speech language therapy. Outpatient rehabilitation services are provided in various outpatient settings, such as hospital outpatient departments, independent therapist offices, and Comprehensive Outpatient Rehabilitation Facilities (CORFs). Outpatient physical therapy, occupational therapy, and speech language therapy visit: In-network: AHN network: $25 copayment Standard network: $40 copayment Copayment for Medicarecovered outpatient physical therapy, occupational, therapy, and speech language therapy visit applies to facility and professional claims. *Out-of-network (POS): 40% of the cost; subject to POS deductible

99 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 81 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Outpatient substance abuse services (1) Coverage is available for treatment services that are provided in the outpatient department of a hospital to patients who, for example, have been discharged from an inpatient stay for the treatment of drug substance abuse or who require treatment but do not require the availability and intensity of services found only in the inpatient hospital setting. The services must also be reasonable and necessary for treatment of the individual s condition. What you must pay when you get these services Outpatient group and individual therapy visit: In-network: AHN network: $30 copayment Standard network: $40 copayment Copayment for Medicarecovered individual or group visits applies to both facility and professional services. *Out-of-network (POS): 40% of the cost; subject to POS deductible Outpatient surgery, including services provided at hospital outpatient facilities and ambulatory surgical centers (1) Note: If you are having surgery in a hospital facility, you should check with your provider about whether you will be an inpatient or outpatient. Unless the provider writes an order to admit you as an inpatient to the hospital, you are an outpatient and pay the cost-sharing amounts for outpatient surgery. Even if you stay in the hospital overnight, you might still be considered an outpatient. Ambulatory surgical center: In-network: $450 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible Outpatient hospital: In-network: AHN network: $200 copayment Standard network: $450 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible

100 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 82 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Over-the-Counter (OTC) Items OTC items can be mailed directly to your home. The minimum order each quarter is $10. If you do not use the entire $45 in a quarter, the remaining amount will be carried over to the next quarter up to a maximum benefit of $90 in any one quarter. Limited to products available on our over-the-counter mail order list which includes: Minerals and vitamins Fiber supplements First aid supplies Medicines and ointments, such as antacids, analgesics, antibacterials, and anti-inflammatories Mouth care, such as toothbrushes, toothpaste, and denture adhesives What you must pay when you get these services You are covered up to $45 every quarter (every three months) from Saint John Pharmacy. You may only place one order each month. Minimum order: $10 Items and prices are subject to change. Prices include shipping, handling, and sales tax. Call , option 1, for order forms or print one from the website, myaffinitypharmacy.com/otc. Partial hospitalization services (1) Partial hospitalization is a structured program of active psychiatric treatment provided in a hospital outpatient setting or by a community mental health center, that is more intense than the care received in your doctor s or therapist s office and is an alternative to inpatient hospitalization. In-Network: $55 copayment for Medicare-covered partial hospitalization program services Copayment for Medicarecovered individual or group visits applies to both facility and professional services. *Out-of-network (POS): 40% of the cost; subject to POS deductible

101 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 83 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Physician/Practitioner services, including doctor s office visits Covered services include: Medically-necessary medical care or surgery services furnished in a physician s office, certified ambulatory surgical center (1), hospital outpatient department (1), or any other location (1) Consultation, diagnosis, and treatment by a specialist (1) Basic hearing and balance exams performed by your MH-PCP or specialist (1), if your doctor orders it to see if you need medical treatment Certain telehealth services including consultation, diagnosis, and treatment by a physician or practitioner for patients in certain rural areas or other locations approved by Medicare Second opinion by another network provider prior to surgery (1) Non-routine dental care (covered services are limited to surgery of the jaw or related structures, setting fractures of the jaw or facial bones, extraction of teeth to prepare the jaw for radiation treatments of neoplastic cancer disease, or services that would be covered when provided by a physician) (1) What you must pay when you get these services Medical home primary care provider (MH-PCP) visit: In-network: AHN network: $5 copayment or 0-20% of the cost, depending on the service Standard network: $15 copayment or 0-20% of the cost, depending on the service *Out-of-network (POS): 40% of the cost; subject to POS deductible Specialist visit (1) : In-network: AHN network: $40 copayment or 0-20% of the cost, depending on the service Standard network: $50 copayment or 0-20% of the cost, depending on the service *Out-of-network (POS): 40% of the cost; subject to POS deductible The copayment only applies to office visits. PAs and NPs, depending on the specialty:

102 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 84 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services AHN MH-PCP office visits: $0 copayment or 0-20% of the cost, depending on the service Standard network MH- PCP office visits: $15 copayment or 0-20% of the cost, depending on the service AHN Specialist office visits (1) : $40 copayment or 0-20% of the cost, depending on the service Standard network Specialist office visits (1) : $50 copayment or 0-20% of the cost, depending on the service The coinsurance applies if the physician renders a service that has coinsurance (e.g., pain management and allergy services). 20% coinsurance for pain management and allergy services. 0% coinsurance for services such as office-based surgery. Podiatry services (1) Covered services include: Diagnosis and the medical or surgical treatment of injuries and diseases of the feet (such as hammer toe or heel spurs). Routine foot care for members with certain medical conditions affecting the lower limbs Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions: In-network: $50 copayment *Out-of-network (POS): 40% of the cost; subject to POS deductible

103 . Prostate 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 85 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you cancer screening exams For men age 50 and older, covered services include the following - once every 12 months: Digital rectal exam Prostate Specific Antigen (PSA) test Prosthetic devices and related supplies (1) Devices (other than dental) that replace all or part of a body part or function. These include, but are not limited to: colostomy bags and supplies directly related to colostomy care, pacemakers, braces, prosthetic shoes, artificial limbs, and breast prostheses (including a surgical brassiere after a mastectomy). Includes certain supplies related to prosthetic devices, and repair and/or replacement of prosthetic devices. Also includes some coverage following cataract removal or cataract surgery see Vision Care later in this section for more detail. Pulmonary rehabilitation services (1) Comprehensive programs of pulmonary rehabilitation are covered for members who have moderate to very severe chronic obstructive pulmonary disease (COPD) and an order for pulmonary rehabilitation from the doctor treating the chronic respiratory disease. Screening and counseling to reduce alcohol misuse We cover one alcohol misuse screening for adults with Medicare (including pregnant women) who misuse alcohol, but are not alcohol dependent. If you screen positive for alcohol misuse, you can get up to 4 brief face-to-face counseling sessions per year (if you are competent and alert during counseling) provided by a qualified primary care doctor or practitioner in a primary care setting. What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for an annual PSA test. *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: 20% of the cost for Medicare-covered devices and supplies *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: 20% of the cost for Medicare-covered pulmonary rehabilitation services *Out-of-network (POS): 40% of the cost; subject to POS deductible In-network: There is no coinsurance, copayment, or deductible for the Medicare-covered screening and counseling to reduce alcohol misuse preventive benefit. *Out-of-network (POS): 40% of the cost; subject to POS deductible

104 . Screening 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 86 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Screening for lung cancer with low dose computed tomography (LDCT) For qualified individuals, a LDCT is covered every 12 months. Eligible enrollees are: people aged years who have no signs or symptoms of lung cancer, but who have a history of tobacco smoking of at least 30 pack-years or who currently smoke or have quit smoking within the last 15 years, who receive a written order for LDCT during a lung cancer screening counseling and shared decision making visit that meets the Medicare criteria for such visits and be furnished by a physician or qualified non-physician practitioner. What you must pay when you get these services In-network: There is no coinsurance, copayment, or deductible for the Medicare-covered counseling and shared decision making visit or for the LDCT. *Out-of-network (POS): 40% of the cost; subject to POS deductible For LDCT lung cancer screenings after the initial LDCT screening: the enrollee must receive a written order for LDCT lung cancer screening, which may be furnished during any appropriate visit with a physician or qualified non-physician practitioner. If a physician or qualified nonphysician practitioner elects to provide a lung cancer screening counseling and shared decision making visit for subsequent lung cancer screenings with LDCT, the visit must meet the Medicare criteria for such visits. for sexually transmitted infections (STIs) and counseling to prevent STIs We cover sexually transmitted infection (STI) screenings for chlamydia, gonorrhea, syphilis, and Hepatitis B. These screenings are covered for pregnant women and for certain people who are at increased risk for an STI when the tests are ordered by a primary care provider. We cover these tests once every 12 months or at certain times during pregnancy. We also cover up to 2 individual 20 to 30 minute, face-toface high-intensity behavioral counseling sessions each year for sexually active adults at increased risk for STIs. We will only cover these counseling sessions as a preventive service if they are provided by a primary care provider and take place in a primary care setting, such as a doctor s office. In-network: There is no coinsurance, copayment, or deductible for the Medicare-covered screening for STIs and counseling to prevent STIs preventive benefit. *Out-of-network (POS): 40% of the cost; subject to POS deductible

105 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 87 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you Services to treat kidney disease and conditions (1) Covered services include: Kidney disease education services to teach kidney care and help members make informed decisions about their care. For members with stage IV chronic kidney disease when referred by their doctor, we cover up to six sessions of kidney disease education services per lifetime. Outpatient dialysis treatments (including dialysis treatments when temporarily out of the service area, as explained in Chapter 3) Inpatient dialysis treatments (if you are admitted as an inpatient to a hospital for special care) Self-dialysis training (includes training for you and anyone helping you with your home dialysis treatments) Home dialysis equipment and supplies Certain home support services (such as, when necessary, visits by trained dialysis workers to check on your home dialysis, to help in emergencies, and check your dialysis equipment and water supply) Certain drugs for dialysis are covered under your Medicare Part B drug benefit. For information about coverage for Part B Drugs, please go to the section, Medicare Part B prescription drugs. Skilled nursing facility (SNF) care (1) (For a definition of skilled nursing facility care, see Chapter 12 of this booklet. Skilled nursing facilities are sometimes called SNFs. ) Plan covers up to 100 days each benefit period. 3-day prior hospital stay is required. Covered services include but are not limited to: Semiprivate room (or a private room if medically necessary) Meals, including special diets Skilled nursing services Physical therapy, occupational therapy, and speech therapy What you must pay when you get these services In-network: 20% of the cost If professional and facility bill for same date of service, 20% coinsurance applies to both claims. *Out-of-network (POS): Kidney dialysis services that you get at a Medicare-certified dialysis facility when you are temporarily outside the plan s service area: 20% of the cost All other out-ofnetwork providers: 40% of the cost; subject to POS deductible Our plan covers up to 100 days in a SNF. In-network: You pay nothing per day for days 1 through 20 $160 copayment per day for days 21 through 100 Copayment does not apply to day of discharge. *Out-of-network (POS): 40% of the cost per stay; subject to POS deductible

106 . Smoking 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 88 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Drugs administered to you as part of your plan of care (This includes substances that are naturally present in the body, such as blood clotting factors.) Blood - including storage and administration. All components of blood are covered beginning with the first pint used. Medical and surgical supplies ordinarily provided by SNFs Laboratory tests ordinarily provided by SNFs X-rays and other radiology services ordinarily provided by SNFs Use of appliances such as wheelchairs ordinarily provided by SNFs Physician/Practitioner services Generally, you will get your SNF care from network facilities. However, under certain conditions listed below, you may be able to pay in-network cost-sharing for a facility that is not a network provider, if the facility accepts our plan s amounts for payment. A nursing home or continuing care retirement community where you were living right before you went to the hospital (as long as it provides skilled nursing facility care). A SNF where your spouse is living at the time you leave the hospital. and tobacco use cessation (counseling to stop smoking or tobacco use) If you use tobacco, but do not have signs or symptoms of tobacco-related disease: We cover two counseling quit attempts within a 12-month period as a preventive service with no cost to you. Each counseling attempt includes up to four face-to-face visits. If you use tobacco and have been diagnosed with a tobaccorelated disease or are taking medicine that may be affected by tobacco: We cover cessation counseling services. We cover two counseling quit attempts within a 12-month period, however, you will pay the applicable cost-sharing. Each counseling attempt includes up to four face-to-face visits. In-network: There is no coinsurance, copayment, or deductible for the Medicare-covered smoking and tobacco use cessation preventive benefits. *Out-of-network (POS): 40% of the cost; subject to POS deductible

107 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 89 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services Transportation (1) You pay a $0 copayment for 12 one-way non-emergent trips per year with Vantageapproved transportation. Mileage restrictions apply. Urgently needed services Urgently needed services are provided to treat a nonemergency, unforeseen medical illness, injury, or condition that requires immediate medical care. Urgently needed services may be furnished by network providers or by outof-network providers when network providers are temporarily unavailable or inaccessible. Coverage is within the United States. Cost sharing for necessary urgently needed services furnished out-ofnetwork is the same as for such services furnished innetwork. Vision care Covered services include: Outpatient physician services for the diagnosis and treatment of diseases and injuries of the eye, including treatment for age-related macular degeneration. Original Medicare does not cover routine eye exams (eye refractions) for eyeglasses/contacts. For people who are at high risk of glaucoma, such as people with a family history of glaucoma, people with diabetes, and African-Americans who are age 50 and older: glaucoma screening once per year. For people with diabetes, screening for diabetic retinopathy is covered once per year. $65 copayment Medicare-covered exams to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening): In-network: $0-$50 copayment, depending on the service: $0 copayment for glaucoma screening Exam to diagnose and treat diseases and conditions of the eye: o AHN specialist - $40 copayment o Standard network specialist - $50 copayment

108 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 90 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services One pair of eyeglasses or contact lenses after each cataract surgery that includes insertion of an intraocular lens. (If you have two separate cataract operations, you cannot reserve the benefit after the first surgery and purchase two eyeglasses after the second surgery.) Supplemental routine eye exams Supplemental eyeglasses or contact lenses ($100 limit) *Out-of-network (POS): 40% of the cost; subject to POS deductible Medicare-covered eyeglasses or contact lenses after cataract surgery: In-network: 20% of the cost *Out-of-network (POS): 40% of the cost; subject to POS deductible Routine eye exam and diabetic eye exam: *In-network: $0 copayment You are covered for up to 1 visit every year. *Out-of-network (POS): 40% of the cost. You are covered for up to 1 visit every year. Not subject to POS deductible. Contact lenses: *In-network: 20% of the cost. You are covered for up to 12 pairs every year. *Out-of-network (POS): 20% of the cost. You are covered for up to 12 pairs every year. Not subject to POS deductible. Eyeglasses (frames and lenses): *In-network: 20% of the cost. You are covered for up to 1 every year.

109 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 91 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services that are covered for you What you must pay when you get these services *Out-of-network (POS): 20% of the cost. You are covered for up to 1 every year. Not subject to POS deductible. NOTE: Our plan pays up to $100 of the cost every year for contacts lenses and eyeglasses (frames and lenses) from innetwork or out-of-network providers. Cost is defined as the Vantage allowable. Over-the-counter reading glasses do not apply. To receive Medicare-covered eyewear, the provider must be a Medicare-approved supplier. Welcome to Medicare Preventive Visit The plan covers the one-time Welcome to Medicare preventive visit. The visit includes a review of your health, as well as education and counseling about the preventive services you need (including certain screenings and shots), and referrals for other care if needed. Important: We cover the Welcome to Medicare preventive visit only within the first 12 months you have Medicare Part B. When you make your appointment, let your doctor s office know you would like to schedule your Welcome to Medicare preventive visit. In-network: There is no coinsurance, copayment, or deductible for the Welcome to Medicare preventive visit. *Out-of-network (POS): 40% of the cost; subject to POS deductible

110 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 92 Chapter 4. Medical Benefits Chart (what is covered and what you pay) SECTION 3 Section 3.1 What services are not covered by the plan? Services we do not cover (exclusions) This section tells you what services are excluded from Medicare coverage and therefore, are not covered by this plan. If a service is excluded, it means that this plan does not cover the service. The chart below lists services and items that either are not covered under any condition or are covered only under specific conditions. If you get services that are excluded (not covered), you must pay for them yourself. We will not pay for the excluded medical services listed in the chart below except under the specific conditions listed. The only exception: we will pay if a service in the chart below is found upon appeal to be a medical service that we should have paid for or covered because of your specific situation. (For information about appealing a decision we have made to not cover a medical service, go to Chapter 9, Section 5.3 in this booklet.) All exclusions or limitations on services are described in the Benefits Chart or in the chart below. Even if you receive the excluded services at an emergency facility, the excluded services are still not covered and our plan will not pay for them. Services not covered by Medicare Services considered not reasonable and necessary, according to the standards of Original Medicare Experimental medical and surgical procedures, equipment and medications. Experimental procedures and items are those items and procedures determined by our plan and Original Medicare to not be generally accepted by the medical community. Not covered under any condition Covered only under specific conditions Unless these services are listed by our plan as covered services. May be covered by Original Medicare under a Medicare-approved clinical research study or by our plan. (See Chapter 3, Section 5 for more information on clinical research studies.)

111 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 93 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services not covered by Medicare Surgical treatment for morbid obesity Private room in a hospital Private duty nurses Personal items in your room at a hospital or a skilled nursing facility, such as a telephone or a television. Full-time nursing care in your home Custodial care is care provided in a nursing home, hospice, or other facility setting when you do not require skilled medical care or skilled nursing care. Custodial care is personal care that does not require the continuing attention of trained medical or paramedical personnel, such as care that helps you with activities of daily living, such as bathing or dressing. Homemaker services include basic household assistance, including light housekeeping or light meal preparation. Fees charged for care by your immediate relatives or members of your household. Not covered under any condition Covered only under specific conditions Unless it is considered medically necessary and covered under Original Medicare. Covered only when medically necessary.

112 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 94 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services not covered by Medicare Elective or voluntary enhancement procedures or services (including weight loss, hair growth, sexual performance, athletic performance, cosmetic purposes, anti-aging and mental performance) Cosmetic surgery or procedures Routine dental care, such as cleanings or fillings. Dentures Non-routine dental care Routine chiropractic care Routine foot care Home-delivered meals Not covered under any condition Covered only under specific conditions Covered only when medically necessary. Covered in cases of an accidental injury or for improvement of the functioning of a malformed body member. Covered for all stages of reconstruction for a breast after a mastectomy, as well as for the unaffected breast to produce a symmetrical appearance. Covered only to the extent of the maximum benefit listed in Section 2.1 of this chapter. Dental care required to treat illness or injury may be covered as inpatient or outpatient care. Manual manipulation of the spine to correct a subluxation is covered. Some limited coverage provided according to Medicare guidelines, e.g., if you have diabetes.

113 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 95 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services not covered by Medicare Orthopedic shoes Supportive devices for the feet Routine hearing exams, hearing aids, or exams to fit hearing aids, and hearing therapy Radial keratotomy, LASIK surgery, vision therapy and other low vision aids. Routine eye examinations, eyeglasses, and contact lenses Reversal of sterilization procedures and or nonprescription contraceptive supplies Acupuncture Massage therapy Naturopath services (uses natural or alternative treatments) Not covered under any condition Covered only under specific conditions If shoes are part of a leg brace and are included in the cost of the brace, or the shoes are for a person with diabetic foot disease. Orthopedic or therapeutic shoes for people with diabetic foot disease. Supplemental routine hearing exams are covered only to the extent of the maximum benefit listed in Section 2.1 of this chapter. One routine/diabetic eye exam per year. One pair of eyeglasses (or contact lenses) are covered for people after cataract surgery. Supplemental eyeglasses or contact lenses are covered at 80% of the cost up to Vantage s allowable only to the extent of the maximum benefit listed in Section 2.1 of this chapter.

114 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 96 Chapter 4. Medical Benefits Chart (what is covered and what you pay) Services not covered by Medicare Services provided to veterans in Veterans Affairs (VA) facilities Diabetic supplies Prescriptions filled by an outof-network pharmacy Transportation Over-the-counter (OTC) items Gym memberships Not covered under any condition Covered only under specific conditions When emergency services are received at a VA hospital and the VA cost-sharing is more than the costsharing under our plan, we will reimburse veterans for the difference. Members are still responsible for our cost-sharing amount. Diabetic supplies are limited to Glucocard Shine strips (50 count) and Glucocard Shine meters manufactured by Arkray USA. These meters and strips as well as lancets can be purchased through preferred mail order for 0% coinsurance. 20% coinsurance applies to purchases from standard network providers. Covered only when medically necessary and an authorization is obtained prior to purchases. Transportation is covered only to the extent of the benefit listed in Section 2.1 of this chapter. OTC items are covered only to the extent of the benefit listed in Section 2.1 of this chapter. Gym memberships are covered to the extent of the benefit listed in Section 2.1 of this chapter.

115 CHAPTER 5 Using the plan s coverage for your Part D prescription drugs

116 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 98 Chapter 5. Using the plan s coverage for your Part D prescription drugs Chapter 5. Using the plan s coverage for your Part D prescription drugs SECTION 1 Introduction Section 1.1 This chapter describes your coverage for Part D drugs Section 1.2 Basic rules for the plan s Part D drug coverage SECTION 2 Fill your prescription at a network pharmacy or through the plan s mail-order service Section 2.1 To have your prescription covered, use a network pharmacy Section 2.2 Finding network pharmacies Section 2.3 Using the plan s mail-order services Section 2.4 How can you get a long-term supply of drugs? Section 2.5 When can you use a pharmacy that is not in the plan s network? SECTION 3 Your drugs need to be on the plan s Drug List Section 3.1 The Drug List tells which Part D drugs are covered Section 3.2 There are five (5) cost-sharing tiers for drugs on the Drug List Section 3.3 How can you find out if a specific drug is on the Drug List? SECTION 4 There are restrictions on coverage for some drugs Section 4.1 Why do some drugs have restrictions? Section 4.2 What kinds of restrictions? Section 4.3 Do any of these restrictions apply to your drugs? SECTION 5 Section 5.1 Section 5.2 Section 5.3 What if one of your drugs is not covered in the way you would like it to be covered? There are things you can do if your drug is not covered in the way you would like it to be covered What can you do if your drug is not on the Drug List or if the drug is restricted in some way? What can you do if your drug is in a cost-sharing tier you think is too high? SECTION 6 What if your coverage changes for one of your drugs? Section 6.1 The Drug List can change during the year Section 6.2 What happens if coverage changes for a drug you are taking? SECTION 7 What types of drugs are not covered by the plan? Section 7.1 Types of drugs we do not cover...114

117 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 99 Chapter 5. Using the plan s coverage for your Part D prescription drugs SECTION 8 Show your plan membership card when you fill a prescription Section 8.1 Show your membership card Section 8.2 What if you do not have your membership card with you? SECTION 9 Part D drug coverage in special situations Section 9.1 What if you are in a hospital or a skilled nursing facility for a stay that is covered by the plan? Section 9.2 What if you are a resident in a long-term care (LTC) facility? Section 9.3 What if you are also getting drug coverage from an employer or retiree group plan? Section 9.4 What if you are in Medicare-certified hospice? SECTION 10 Programs on drug safety and managing medications Section 10.1 Programs to help members use drugs safely Section 10.2 Medication Therapy Management (MTM) program to help members manage their medications...118

118 question mark. Did 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 100 Chapter 5. Using the plan s coverage for your Part D prescription drugs you know there are programs to help people pay for their drugs? There are programs to help people with limited resources pay for their drugs. These include Extra Help and State Pharmaceutical Assistance Programs. For more information, see Chapter 2, Section 7. Are you currently getting help to pay for your drugs? If you are in a program that helps pay for your drugs, some information in this Evidence of Coverage about the costs for Part D prescription drugs may not apply to you. We have included a separate insert, called the Evidence of Coverage Rider for People Who Get Extra Help Paying for Prescription Drugs (also known as the Low Income Subsidy Rider or the LIS Rider ), which tells you about your drug coverage. If you do not have this insert, please call Member Services and ask for the LIS Rider. (Phone numbers for Member Services are printed on the back cover of this booklet.)

119 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 101 Chapter 5. Using the plan s coverage for your Part D prescription drugs SECTION 1 Section 1.1 Introduction This chapter describes your coverage for Part D drugs This chapter explains rules for using your coverage for Part D drugs. The next chapter tells what you pay for Part D drugs (Chapter 6, What you pay for your Part D prescription drugs). In addition to your coverage for Part D drugs, Vantage Medicare Advantage ZERO Premium (HMO-POS) also covers some drugs under the plan s medical benefits. Through its coverage of Medicare A benefits, our plan generally covers drugs you are given during covered stays in the hospital or in a skilled nursing facility. Through its coverage of Medicare Part B benefits, our plan covers drugs including certain chemotherapy drugs, certain drug injections you are given during an office visit, and drugs you are given at a dialysis facility. Chapter 4 (Medical Benefits Chart, what is covered and what you pay) tells about the benefits and costs for drugs during a covered hospital or skilled nursing facility stay, as well as your benefits and costs for Part B drugs. Your drugs may be covered by Original Medicare if you are in Medicare hospice. Our plan only covers Medicare Parts A, B, and D services and drugs that are unrelated to your terminal prognosis and related conditions and therefore not covered under the Medicare hospice benefit. For more information, please see Section 9.4 (What if you are in Medicare-certified hospice). For information on hospice coverage, see the hospice section of Chapter 4 (Medical Benefits Chart, what is covered and what you pay). The following sections discuss coverage of your drugs under the plan s Part D benefit rules. Section 9, Part D drug coverage in special situations includes more information on your Part D coverage and Original Medicare. Section 1.2 Basic rules for the plan s Part D drug coverage The plan will generally cover your drugs as long as you follow these basic rules: You must have a provider (a doctor, dentist or other prescriber) write your prescription. Your prescriber must either accept Medicare or file documentation with CMS showing that he or she is qualified to write prescriptions, or your Part D claim will be denied. You should ask your prescribers the next time you call or visit if they meet this condition. If not, please be aware it takes time for your prescriber to submit the necessary paperwork to be processed. You generally must use a network pharmacy to fill your prescription. (See Section 2, Fill your prescription at a network pharmacy or through the plan s mail-order service.) Your drug must be on the plan s List of Covered Drugs (Formulary) (we call it the Drug List for short). (See Section 3, Your drugs need to be on the plan s Drug List. )

120 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 102 Chapter 5. Using the plan s coverage for your Part D prescription drugs Your drug must be used for a medically accepted indication. A medically accepted indication is a use of the drug that is either approved by the Food and Drug Administration or supported by certain reference books. (See Section 3 for more information about a medically accepted indication.) SECTION 2 Section 2.1 Fill your prescription at a network pharmacy or through the plan s mail-order service To have your prescription covered, use a network pharmacy In most cases, your prescriptions are covered only if they are filled at the plan s network pharmacies. (See Section 2.5 for information about when we would cover prescriptions filled at out-of-network pharmacies.) A network pharmacy is a pharmacy that has a contract with the plan to provide your covered prescription drugs. The term covered drugs means all of the Part D prescription drugs that are covered on the plan s Drug List. Section 2.2 Finding network pharmacies How do you find a network pharmacy in your area? To find a network pharmacy, you can look in your Pharmacy Directory, visit our websites ( or or call Member Services (phone numbers are printed on the back cover of this booklet). You may go to any of our network pharmacies. If you switch from one network pharmacy to another, and you need a refill of a drug you have been taking, you can ask either to have a new prescription written by a provider or to have your prescription transferred to your new network pharmacy. What if the pharmacy you have been using leaves the network? If the pharmacy you have been using leaves the plan s network, you will have to find a new pharmacy that is in the network. To find another network pharmacy in your area, you can get help from Member Services (phone numbers are printed on the back cover of this booklet) or use the Pharmacy Directory. You can also find information on our websites at or What if you need a specialized pharmacy? Sometimes prescriptions must be filled at a specialized pharmacy. Specialized pharmacies include:

121 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 103 Chapter 5. Using the plan s coverage for your Part D prescription drugs Pharmacies that supply drugs for home infusion therapy. Pharmacies that supply drugs for residents of a long-term care (LTC) facility. Usually, a long-term care facility (such as a nursing home) has its own pharmacy. If you are in an LTC facility, we must ensure that you are able to routinely receive your Part D benefits through our network of LTC pharmacies, which is typically the pharmacy that the LTC facility uses. If you have any difficulty accessing your Part D benefits in an LTC facility, please contact Member Services. Pharmacies that serve the Indian Health Service / Tribal / Urban Indian Health Program (not available in Puerto Rico). Except in emergencies, only Native Americans or Alaska Natives have access to these pharmacies in our network. Pharmacies that dispense drugs that are restricted by the FDA to certain locations or that require special handling, provider coordination, or education on their use. (Note: This scenario should happen rarely.) To locate a specialized pharmacy, look in your Pharmacy Directory or call Member Services (phone numbers are printed on the back cover of this booklet). Section 2.3 Using the plan s mail-order services For certain kinds of drugs, you can use the plan s network mail-order services. Generally, the drugs provided through mail order are drugs that you take on a regular basis for a chronic or long-term medical condition. The drugs that are not available through the plan s mail-order service are marked with an NM in our Drug List. Our plan s mail-order service requires you to order a 90-day supply. This plan offers mail-order benefits with both preferred and standard cost-sharing. As shown in the table in Section 5.4 of Chapter 6, the preferred mail order copayment for Tier 1 prescription drugs is $0. However, Tier 1 prescription drugs obtained from any other mail order pharmacy in the plan s network will have the standard Tier 1 $12 mail order copayment applied. To get order forms and information about filling your prescriptions by mail, either download a copy of the form from our website ( or call our Member Services department at (318) or toll-free (844) , Monday Friday, 8:00 a.m. 8:00 p.m. CST. TTY users should call (866) Please note that you must use a network mailorder pharmacy. If you use a mail-order pharmacy not in the plan s network, your prescription will not be covered. Usually a mail-order pharmacy order will get to you in no more than 5-7 business days. However, sometimes your mail-order may be delayed. Should your mail order be delayed, you may call Vantage Health Plan, Inc. at (318) or toll-free (844) (TTY (318) or toll-free (866) ) to request authorization to obtain a supply of medication from a retail network pharmacy until your mail order is received.

122 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 104 Chapter 5. Using the plan s coverage for your Part D prescription drugs New prescriptions the pharmacy receives directly from your doctor s office. After the pharmacy receives a prescription from a health care provider, it will contact you to see if you want the medication filled immediately or at a later time. This will give you an opportunity to make sure that the pharmacy is delivering the correct drug (including strength, amount, and form) and, if needed, allow you to stop or delay the order before you are billed and it is shipped. It is important that you respond each time you are contacted by the pharmacy, to let them know what to do with the new prescription and to prevent any delays in shipping. Refills on mail order prescriptions. For refills, please contact your pharmacy 7-10 days before you think the drugs you have on hand will run out to make sure your next order is shipped to you in time. So the pharmacy can reach you to confirm your order before shipping, please make sure to let the pharmacy know the best ways to contact you. To do this, please provide the number where you may be reached, whether it is a home phone or cell phone, at the time you fill your first prescription at the pharmacy. Please make sure to notify the pharmacy any time you have a change in your contact number, or if you have a change in the preference of how you are contacted. Section 2.4 How can you get a long-term supply of drugs? When you get a long-term supply of drugs, your cost-sharing may be lower. The plan offers two ways to get a long-term supply (also called an extended supply ) of maintenance drugs on our plan s Drug List. (Maintenance drugs are drugs that you take on a regular basis, for a chronic or long-term medical condition.) 1. Some retail pharmacies in our network allow you to get a long-term supply of maintenance drugs. Your Pharmacy Directory tells you which pharmacies in our network can give you a long-term supply of maintenance drugs. You can also call Member Services for more information (phone numbers are printed on the back cover of this booklet). 2. For certain kinds of drugs, you can use the plan s network mail-order services. The drugs that are not available through the plan s mail-order service are marked with an NM in our Drug List. Our plan s mail-order service requires you to order a 90-day supply. See Section 2.3 for more information about using our mail-order services.

123 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 105 Chapter 5. Using the plan s coverage for your Part D prescription drugs Section 2.5 When can you use a pharmacy that is not in the plan s network? Your prescription may be covered in certain situations Generally, we cover drugs filled at an out-of-network pharmacy only when you are not able to use a network pharmacy. To help you, we have network pharmacies outside of our service area where you can get your prescriptions filled as a member of our plan. If you cannot use a network pharmacy, here are the circumstances when we would cover prescriptions filled at an out-ofnetwork pharmacy: The prescriptions are related to care for a medical emergency or urgently needed care. You are unable to get a covered drug in a timely manner within our service area because there are no network pharmacies within a reasonable driving distance that provide 24- hour service. The prescription is limited to no more than a 31-day supply or less if written for fewer days, and authorization is obtained prior to purchase. Limited circumstances. Prior authorization from our plan is obtained prior to purchase. In these situations, please check first with Member Services to see if there is a network pharmacy nearby. (Phone numbers for Member Services are printed on the back cover of this booklet.) You may be required to pay the difference between what you pay for the drug at the out-of-network pharmacy and the cost that we would cover at an in-network pharmacy. How do you ask for reimbursement from the plan? If you must use an out-of-network pharmacy, you will generally have to pay the full cost (rather than your normal share of the cost) at the time you fill your prescription. You can ask us to reimburse you for our share of the cost. (Chapter 7, Section 2.1 explains how to ask the plan to pay you back.) SECTION 3 Section 3.1 Your drugs need to be on the plan s Drug List The Drug List tells which Part D drugs are covered The plan has a List of Covered Drugs (Formulary). In this Evidence of Coverage, we call it the Drug List for short. The drugs on this list are selected by the plan with the help of a team of doctors and pharmacists. The list must meet requirements set by Medicare. Medicare has approved the plan s Drug List.

124 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 106 Chapter 5. Using the plan s coverage for your Part D prescription drugs The drugs on the Drug List are only those covered under Medicare Part D (earlier in this chapter, Section 1.1 explains about Part D drugs). We will generally cover a drug on the plan s Drug List as long as you follow the other coverage rules explained in this chapter and the use of the drug is a medically accepted indication. A medically accepted indication is a use of the drug that is either: approved by the Food and Drug Administration. (That is, the Food and Drug Administration has approved the drug for the diagnosis or condition for which it is being prescribed.) -- or -- supported by certain reference books. (These reference books are the American Hospital Formulary Service Drug Information; the DRUGDEX Information System; and the USPDI or its successor; and, for cancer, the National Comprehensive Cancer Network and Clinical Pharmacology or their successors.) The Drug List includes both brand name and generic drugs A generic drug is a prescription drug that has the same active ingredients as the brand name drug. Generally, it works just as well as the brand name drug and usually costs less. There are generic drug substitutes available for many brand name drugs. What is not on the Drug List? The plan does not cover all prescription drugs. In some cases, the law does not allow any Medicare plan to cover certain types of drugs (for more information about this, see Section 7.1 in this chapter). In other cases, we have decided not to include a particular drug on the Drug List. Section 3.2 There are five (5) cost-sharing tiers for drugs on the Drug List Every drug on the plan s Drug List is in one of five (5) cost-sharing tiers. In general, the higher the cost-sharing tier, the higher your cost for the drug: Tier 1 includes preferred generic drugs and is the lowest tier. Tier 2 includes generic drugs. Tier 3 includes preferred brand drugs. Tier 4 includes non-preferred brand drugs. Tier 5 includes specialty drugs and is the highest tier. To find out which cost-sharing tier your drug is in, look it up in the plan s Drug List.

125 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 107 Chapter 5. Using the plan s coverage for your Part D prescription drugs The amount you pay for drugs in each cost-sharing tier is shown in Chapter 6 (What you pay for your Part D prescription drugs). Section 3.3 How can you find out if a specific drug is on the Drug List? You have three ways to find out: 1. Check the most recent Drug List we sent you in the mail. 2. Visit the plan s websites ( or The Drug List on the website is always the most current. 3. Call Member Services to find out if a particular drug is on the plan s Drug List or to ask for a copy of the list. (Phone numbers for Member Services are printed on the back cover of this booklet.) SECTION 4 Section 4.1 There are restrictions on coverage for some drugs Why do some drugs have restrictions? For certain prescription drugs, special rules restrict how and when the plan covers them. A team of doctors and pharmacists developed these rules to help our members use drugs in the most effective ways. These special rules also help control overall drug costs, which keeps your drug coverage more affordable. In general, our rules encourage you to get a drug that works for your medical condition and is safe and effective. Whenever a safe, lower-cost drug will work just as well medically as a highercost drug, the plan s rules are designed to encourage you and your provider to use that lower-cost option. We also need to comply with Medicare s rules and regulations for drug coverage and cost-sharing. If there is a restriction for your drug, it usually means that you or your provider will have to take extra steps in order for us to cover the drug. If you want us to waive the restriction for you, you will need to use the coverage decision process and ask us to make an exception. We may or may not agree to waive the restriction for you. (See Chapter 9, Section 6.2 for information about asking for exceptions.) Please note that sometimes a drug may appear more than once in our drug list. This is because different restrictions or cost-sharing may apply based on factors such as the strength, amount, or form of the drug prescribed by your health care provider (for instance, 10 mg versus 100 mg; one per day versus two per day; tablet versus liquid).

126 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 108 Chapter 5. Using the plan s coverage for your Part D prescription drugs Section 4.2 What kinds of restrictions? Our plan uses different types of restrictions to help our members use drugs in the most effective ways. The sections below tell you more about the types of restrictions we use for certain drugs. Restricting brand name drugs when a generic version is available Generally, a generic drug works the same as a brand name drug and usually costs less. When a generic version of a brand name drug is available, our network pharmacies will provide you the generic version. We usually will not cover the brand name drug when a generic version is available. However, if your provider has told us the medical reason that the generic drug will not work for you OR has written No substitutions on your prescription for a brand name drug OR has told us the medical reason that neither the generic drug nor other covered drugs that treat the same condition will work for you, then we will cover the brand name drug. (Your share of the cost may be greater for the brand name drug than for the generic drug.) Getting plan approval in advance For certain drugs, you or your provider need to get approval from the plan before we will agree to cover the drug for you. This is called prior authorization. Sometimes the requirement for getting approval in advance helps guide appropriate use of certain drugs. If you do not get this approval, your drug might not be covered by the plan. Trying a different drug first This requirement encourages you to try less costly but just as effective drugs before the plan covers another drug. For example, if Drug A and Drug B treat the same medical condition, the plan may require you to try Drug A first. If Drug A does not work for you, the plan will then cover Drug B. This requirement to try a different drug first is called step therapy. Quantity limits For certain drugs, we limit the amount of the drug that you can have by limiting how much of a drug you can get each time you fill your prescription. For example, if it is normally considered safe to take only one pill per day for a certain drug, we may limit coverage for your prescription to no more than one pill per day. Section 4.3 Do any of these restrictions apply to your drugs? The plan s Drug List includes information about the restrictions described above. To find out if any of these restrictions apply to a drug you take or want to take, check the Drug List. For the most up-to-date information, call Member Services (phone numbers are printed on the back cover of this booklet) or check our websites ( or

127 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 109 Chapter 5. Using the plan s coverage for your Part D prescription drugs If there is a restriction for your drug, it usually means that you or your provider will have to take extra steps in order for us to cover the drug. If there is a restriction on the drug you want to take, you should contact Member Services to learn what you or your provider would need to do to get coverage for the drug. If you want us to waive the restriction for you, you will need to use the coverage decision process and ask us to make an exception. We may or may not agree to waive the restriction for you. (See Chapter 9, Section 6.2 for information about asking for exceptions.) SECTION 5 Section 5.1 What if one of your drugs is not covered in the way you would like it to be covered? There are things you can do if your drug is not covered in the way you would like it to be covered We hope that your drug coverage will work well for you. But it is possible that there could be a prescription drug you are currently taking, or one that you and your provider think you should be taking that is not on our formulary or is on our formulary with restrictions. For example: The drug might not be covered at all. Or maybe a generic version of the drug is covered but the brand name version you want to take is not covered. The drug is covered, but there are extra rules or restrictions on coverage for that drug. As explained in Section 4, some of the drugs covered by the plan have extra rules to restrict their use. For example, you might be required to try a different drug first, to see if it will work, before the drug you want to take will be covered for you. Or there might be limits on what amount of the drug (number of pills, etc.) is covered during a particular time period. In some cases, you may want us to waive the restriction for you. The drug is covered, but it is in a cost-sharing tier that makes your cost-sharing more expensive than you think it should be. The plan puts each covered drug into one of 5 different cost-sharing tiers. How much you pay for your prescription depends in part on which cost-sharing tier your drug is in. There are things you can do if your drug is not covered in the way that you would like it to be covered. Your options depend on what type of problem you have: If your drug is not on the Drug List or if your drug is restricted, go to Section 5.2 to learn what you can do. If your drug is in a cost-sharing tier that makes your cost more expensive than you think it should be, go to Section 5.3 to learn what you can do.

128 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 110 Chapter 5. Using the plan s coverage for your Part D prescription drugs Section 5.2 What can you do if your drug is not on the Drug List or if the drug is restricted in some way? If your drug is not on the Drug List or is restricted, here are things you can do: You may be able to get a temporary supply of the drug (only members in certain situations can get a temporary supply). This will give you and your provider time to change to another drug or to file a request to have the drug covered. You can change to another drug. You can request an exception and ask the plan to cover the drug or remove restrictions from the drug. You may be able to get a temporary supply Under certain circumstances, the plan can offer a temporary supply of a drug to you when your drug is not on the Drug List or when it is restricted in some way. Doing this gives you time to talk with your provider about the change in coverage and figure out what to do. To be eligible for a temporary supply, you must meet the two requirements below: 1. The change to your drug coverage must be one of the following types of changes: The drug you have been taking is no longer on the plan s Drug List. or -- the drug you have been taking is now restricted in some way (Section 4 in this chapter tells about restrictions). 2. You must be in one of the situations described below: For those members who are new or who were in the plan last year and are not in a long-term care (LTC ) facility: We will cover a temporary supply of your drug during the first 90 days of your membership in the plan if you were new and during the first 90 days of the calendar year if you were in the plan last year. This temporary supply will be for a maximum of a 31-day supply. If your prescription is written for fewer days, we will allow multiple fills to provide up to a maximum of a 31-day supply of medication. The prescription must be filled at a network pharmacy. For those members who are new or who were in the plan last year and reside in a long-term care (LTC) facility: We will cover a temporary supply of your drug during the first 90 days of your membership in the plan if you are new and during the first 90 days of the calendar year if you were in the plan last year. The total supply will be for a maximum of a 91- day supply and may be up to a 98-day supply depending on the dispensing increment. If

129 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 111 Chapter 5. Using the plan s coverage for your Part D prescription drugs your prescription is written for fewer days, we will allow multiple fills to provide up to a maximum of a 91-day supply and may be up to a 98-day supply of medication. (Please note that the long-term care pharmacy may provide the drug in smaller amounts at a time to prevent waste.) For those members who have been in the plan for more than 90 days and reside in a long-term care (LTC) facility and need a supply right away: We will cover one 31-day supply of a particular drug, or less if your prescription is written for fewer days. This is in addition to the above long-term care transition supply. Our plan will cover a temporary 31-day supply of non-formulary drugs (unless the prescription is written for fewer days) one time only for current members with level of care changes. You will pay the cost share amount that applies to drugs in Tier 5 for such temporary supplies of non-formulary drugs. o A level of care change may include: Entering or leaving an LTC facility Discharged from a hospital to a home End a Medicare Part A skilled nursing facility stay Give up Hospice status and revert back to standard Medicare benefits End an LTC facility stay and return to their home To ask for a temporary supply, call Member Services (phone numbers are printed on the back cover of this booklet). During the time when you are getting a temporary supply of a drug, you should talk with your provider to decide what to do when your temporary supply runs out. You can either switch to a different drug covered by the plan or ask the plan to make an exception for you and cover your current drug. The sections below tell you more about these options. You can change to another drug Start by talking with your provider. Perhaps there is a different drug covered by the plan that might work just as well for you. You can call Member Services to ask for a list of covered drugs that treat the same medical condition. This list can help your provider find a covered drug that might work for you. (Phone numbers for Member Services are printed on the back cover of this booklet.) You can ask for an exception You and your provider can ask the plan to make an exception for you and cover the drug in the way you would like it to be covered. If your provider says that you have medical reasons that justify asking us for an exception, your provider can help you request an exception to the rule.

130 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 112 Chapter 5. Using the plan s coverage for your Part D prescription drugs For example, you can ask the plan to cover a drug even though it is not on the plan s Drug List. Or you can ask the plan to make an exception and cover the drug without restrictions. If you and your provider want to ask for an exception, Chapter 9, Section 6.4 tells what to do. It explains the procedures and deadlines that have been set by Medicare to make sure your request is handled promptly and fairly. Section 5.3 What can you do if your drug is in a cost-sharing tier you think is too high? If your drug is in a cost-sharing tier you think is too high, here are things you can do: You can change to another drug If your drug is in a cost-sharing tier you think is too high, start by talking with your provider. Perhaps there is a different drug in a lower cost-sharing tier that might work just as well for you. You can call Member Services to ask for a list of covered drugs that treat the same medical condition. This list can help your provider find a covered drug that might work for you. (Phone numbers for Member Services are printed on the back cover of this booklet.) You can ask for an exception For drugs in Tier 4, you and your provider can ask the plan to make an exception in the costsharing tier for the drug so that you pay less for it. If your provider says that you have medical reasons that justify asking us for an exception, your provider can help you request an exception to the rule. If you and your provider want to ask for an exception, Chapter 9, Section 6.4 tells what to do. It explains the procedures and deadlines that have been set by Medicare to make sure your request is handled promptly and fairly. Drugs in our Tier 5 (Specialty Tier) are not eligible for this type of exception. We do not lower the cost-sharing amount for drugs in Tier 5. SECTION 6 Section 6.1 What if your coverage changes for one of your drugs? The Drug List can change during the year Most of the changes in drug coverage happen at the beginning of each year (January 1). However, during the year, the plan might make changes to the Drug List. For example, the plan might:

131 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 113 Chapter 5. Using the plan s coverage for your Part D prescription drugs Add or remove drugs from the Drug List. New drugs become available, including new generic drugs. Perhaps the government has given approval to a new use for an existing drug. Sometimes, a drug gets recalled and we decide not to cover it. Or we might remove a drug from the list because it has been found to be ineffective. Move a drug to a higher or lower cost-sharing tier. Add or remove a restriction on coverage for a drug (for more information about restrictions to coverage, see Section 4 in this chapter). Replace a brand name drug with a generic drug. In almost all cases, we must get approval from Medicare for changes we make to the plan s Drug List. Section 6.2 What happens if coverage changes for a drug you are taking? How will you find out if your drug s coverage has been changed? If there is a change to coverage for a drug you are taking, the plan will send you a notice to tell you. Normally, we will let you know at least 60 days ahead of time. Once in a while, a drug is suddenly recalled because it has been found to be unsafe or for other reasons. If this happens, the plan will immediately remove the drug from the Drug List. We will let you know of this change right away. Your provider will also know about this change, and can work with you to find another drug for your condition. Do changes to your drug coverage affect you right away? If any of the following types of changes affect a drug you are taking, the change will not affect you until January 1 of the next year if you stay in the plan: If we move your drug into a higher cost-sharing tier. If we put a new restriction on your use of the drug. If we remove your drug from the Drug List, but not because of a sudden recall or because a new generic drug has replaced it. If any of these changes happens for a drug you are taking, then the change will not affect your use or what you pay as your share of the cost until January 1 of the next year. Until that date, you probably will not see any increase in your payments or any added restriction to your use of the drug. However, on January 1 of the next year, the changes will affect you. In some cases, you will be affected by the coverage change before January 1:

132 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 114 Chapter 5. Using the plan s coverage for your Part D prescription drugs If a brand name drug you are taking is replaced by a new generic drug, the plan must give you at least 60 days notice or give you a 60-day refill of your brand name drug at a network pharmacy. o During this 60-day period, you should be working with your provider to switch to the generic or to a different drug that we cover. o Or you and your provider can ask the plan to make an exception and continue to cover the brand name drug for you. For information on how to ask for an exception, see Chapter 9 (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)). Again, if a drug is suddenly recalled because it has been found to be unsafe or for other reasons, the plan will immediately remove the drug from the Drug List. We will let you know of this change right away. o Your provider will also know about this change, and can work with you to find another drug for your condition. SECTION 7 Section 7.1 What types of drugs are not covered by the plan? Types of drugs we do not cover This section tells you what kinds of prescription drugs are excluded. This means Medicare does not pay for these drugs. If you get drugs that are excluded, you must pay for them yourself. We will not pay for the drugs that are listed in this section. The only exception: If the requested drug is found upon appeal to be a drug that is not excluded under Part D and we should have paid for or covered it because of your specific situation. (For information about appealing a decision we have made to not cover a drug, go to Chapter 9, Section 6.5 in this booklet.) Here are three general rules about drugs that Medicare drug plans will not cover under Part D: Our plan s Part D drug coverage cannot cover a drug that would be covered under Medicare Part A or Part B. Our plan cannot cover a drug purchased outside the United States and its territories. Our plan usually cannot cover off-label use. Off-label use is any use of the drug other than those indicated on a drug s label as approved by the Food and Drug Administration. o Generally, coverage for off-label use is allowed only when the use is supported by certain reference books. These reference books are the American Hospital Formulary Service Drug Information, the DRUGDEX Information System, for cancer, the National Comprehensive Cancer Network and Clinical Pharmacology, or their successors. If the use is not supported by any of these reference books, then our plan cannot cover its off-label use.

133 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 115 Chapter 5. Using the plan s coverage for your Part D prescription drugs Also, by law, these categories of drugs are not covered by Medicare drug plans: Non-prescription drugs (also called over-the-counter drugs) Drugs when used to promote fertility Drugs when used for the relief of cough or cold symptoms Drugs when used for cosmetic purposes or to promote hair growth Prescription vitamins and mineral products, except prenatal vitamins and fluoride preparations Drugs when used for the treatment of sexual or erectile dysfunction, such as Viagra, Cialis, Levitra, and Caverject Drugs when used for treatment of anorexia, weight loss, or weight gain Outpatient drugs for which the manufacturer seeks to require that associated tests or monitoring services be purchased exclusively from the manufacturer as a condition of sale If you receive Extra Help paying for your drugs, your state Medicaid program may cover some prescription drugs not normally covered in a Medicare drug plan. Please contact your state Medicaid program to determine what drug coverage may be available to you. (You can find phone numbers and contact information for Medicaid in Chapter 2, Section 6.) SECTION 8 Section 8.1 Show your plan membership card when you fill a prescription Show your membership card To fill your prescription, show your plan membership card at the network pharmacy you choose. When you show your plan membership card, the network pharmacy will automatically bill the plan for our share of your covered prescription drug cost. You will need to pay the pharmacy your share of the cost when you pick up your prescription. Section 8.2 What if you do not have your membership card with you? If you do not have your plan membership card with you when you fill your prescription, ask the pharmacy to call the plan to get the necessary information. If the pharmacy is not able to get the necessary information, you may have to pay the full cost of the prescription when you pick it up. (You can then ask us to reimburse you for our share. See Chapter 7, Section 2.1 for information about how to ask the plan for reimbursement.)

134 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 116 Chapter 5. Using the plan s coverage for your Part D prescription drugs SECTION 9 Section 9.1 Part D drug coverage in special situations What if you are in a hospital or a skilled nursing facility for a stay that is covered by the plan? If you are admitted to a hospital or to a skilled nursing facility for a stay covered by the plan, we will generally cover the cost of your prescription drugs during your stay. Once you leave the hospital or skilled nursing facility, the plan will cover your drugs as long as the drugs meet all of our rules for coverage. See the previous parts of this section that tell about the rules for getting drug coverage. Chapter 6 (What you pay for your Part D prescription drugs) gives more information about drug coverage and what you pay. Please Note: When you enter, live in, or leave a skilled nursing facility, you are entitled to a Special Enrollment Period. During this time period, you can switch plans or change your coverage. (Chapter 10, Ending your membership in the plan, tells when you can leave our plan and join a different Medicare plan.) Section 9.2 What if you are a resident in a long-term care (LTC) facility? Usually, a long-term care (LTC) facility (such as a nursing home) has its own pharmacy, or a pharmacy that supplies drugs for all of its residents. If you are a resident of a long-term care facility, you may get your prescription drugs through the facility s pharmacy as long as it is part of our network. Check your Pharmacy Directory to find out if your long-term care facility s pharmacy is part of our network. If it is not, or if you need more information, please contact Member Services (phone numbers are printed on the back cover of this booklet). What if you are a resident in a long-term care (LTC) facility and become a new member of the plan? If you need a drug that is not on our Drug List or is restricted in some way, the plan will cover a temporary supply of your drug during the first 90 days of your membership. The total supply will be for a maximum of a 91-day supply and may be up to a 98-day supply depending on the dispensing increment, or less if your prescription is written for fewer days. (Please note that the long-term care (LTC) pharmacy may provide the drug in smaller amounts at a time to prevent waste.) If you have been a member of the plan for more than 90 days and need a drug that is not on our Drug List or if the plan has any restriction on the drug s coverage, we will cover one 31- day supply, or less if your prescription is written for fewer days. During the time when you are getting a temporary supply of a drug, you should talk with your provider to decide what to do when your temporary supply runs out. Perhaps there is a different drug covered by the plan that might work just as well for you. Or you and your provider can ask the plan to make an exception for you and cover the drug in the way you would like it to be

135 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 117 Chapter 5. Using the plan s coverage for your Part D prescription drugs covered. If you and your provider want to ask for an exception, Chapter 9, Section 6.4 tells what to do. Section 9.3 What if you are also getting drug coverage from an employer or retiree group plan? Do you currently have other prescription drug coverage through your (or your spouse s) employer or retiree group? If so, please contact that group s benefits administrator. He or she can help you determine how your current prescription drug coverage will work with our plan. In general, if you are currently employed, the prescription drug coverage you get from us will be secondary to your employer or retiree group coverage. That means your group coverage would pay first. Special note about creditable coverage : Each year your employer or retiree group should send you a notice that tells if your prescription drug coverage for the next calendar year is creditable and the choices you have for drug coverage. If the coverage from the group plan is creditable, it means that the plan has drug coverage that is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage. Keep these notices about creditable coverage, because you may need them later. If you enroll in a Medicare plan that includes Part D drug coverage, you may need these notices to show that you have maintained creditable coverage. If you did not get a notice about creditable coverage from your employer or retiree group plan, you can get a copy from your employer or retiree plan s benefits administrator or the employer or union. Section 9.4 What if you are in Medicare-certified hospice? Drugs are never covered by both hospice and our plan at the same time. If you are enrolled in Medicare hospice and require an anti-nausea, laxative, pain medication or antianxiety drug that is not covered by your hospice because it is unrelated to your terminal illness and related conditions, our plan must receive notification from either the prescriber or your hospice provider that the drug is unrelated before our plan can cover the drug. To prevent delays in receiving any unrelated drugs that should be covered by our plan, you can ask your hospice provider or prescriber to make sure we have the notification that the drug is unrelated before you ask a pharmacy to fill your prescription. In the event you either revoke your hospice election or are discharged from hospice our plan should cover all your drugs. To prevent any delays at a pharmacy when your Medicare hospice benefit ends, you should bring documentation to the pharmacy to verify your revocation or discharge. See the previous parts of this section that tell about the rules for getting drug coverage

136 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 118 Chapter 5. Using the plan s coverage for your Part D prescription drugs under Part D Chapter 6 (What you pay for your Part D prescription drugs) gives more information about drug coverage and what you pay. SECTION 10 Section 10.1 Programs on drug safety and managing medications Programs to help members use drugs safely We conduct drug use reviews for our members to help make sure that they are getting safe and appropriate care. These reviews are especially important for members who have more than one provider who prescribes their drugs. We do a review each time you fill a prescription. We also review our records on a regular basis. During these reviews, we look for potential problems such as: Possible medication errors Drugs that may not be necessary because you are taking another drug to treat the same medical condition Drugs that may not be safe or appropriate because of your age or gender Certain combinations of drugs that could harm you if taken at the same time Prescriptions written for drugs that have ingredients you are allergic to Possible errors in the amount (dosage) of a drug you are taking. If we see a possible problem in your use of medications, we will work with your provider to correct the problem. Section 10.2 Medication Therapy Management (MTM) program to help members manage their medications We have a program that can help our members with complex health needs. For example, some members have several medical conditions, take different drugs at the same time, and have high drug costs. This program is voluntary and free to members. A team of pharmacists and doctors developed the program for us. This program can help make sure that our members get the most benefit from the drugs they take. Our program is called a Medication Therapy Management (MTM) program. Some members who take medications for different medical conditions may be able to get services through a MTM program. A pharmacist or other health professional will give you a comprehensive review of all your medications. You can talk about how best to take your medications, your costs, and any problems or questions you have about your prescription and over-the-counter medications. You will get a written summary of this discussion. The summary has a medication action plan that recommends what you can do to make the best use of your

137 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 119 Chapter 5. Using the plan s coverage for your Part D prescription drugs medications, with space for you to take notes or write down any follow-up questions. You will also get a personal medication list that will include all the medications you are taking and why you take them. It is a good idea to have your medication review before your yearly Wellness visit, so you can talk to your doctor about your action plan and medication list. Bring your action plan and medication list with you to your visit or anytime you talk with your doctors, pharmacists, and other health care providers. Also, keep your medication list with you (for example, with your ID) in case you go to the hospital or emergency room. If we have a program that fits your needs, we will automatically enroll you in the program and send you information. If you decide not to participate, please notify us and we will withdraw you from the program. If you have any questions about these programs, please contact Member Services (phone numbers are printed on the back cover of this booklet).

138 CHAPTER 6 What you pay for your Part D prescription drugs

139 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 121 Chapter 6. What you pay for your Part D prescription drugs Chapter 6. What you pay for your Part D prescription drugs SECTION 1 Introduction Section 1.1 Use this chapter together with other materials that explain your drug coverage Section 1.2 Types of out-of-pocket costs you may pay for covered drugs SECTION 2 Section 2.1 What you pay for a drug depends on which drug payment stage you are in when you get the drug What are the drug payment stages for Vantage Medicare Advantage ZERO Premium (HMO-POS) members? SECTION 3 Section 3.1 We send you reports that explain payments for your drugs and which payment stage you are in We send you a monthly report called the Part D Explanation of Benefits (the Part D EOB ) Section 3.2 Help us keep our information about your drug payments up to date SECTION 4 During the Deductible Stage, you pay the full cost of your Tier 4 and Tier 5 drugs Section 4.1 You stay in the Deductible Stage until you have paid $125 for your Tier 4 and Tier 5 drugs SECTION 5 Section 5.1 During the Initial Coverage Stage, the plan pays its share of your drug costs and you pay your share What you pay for a drug depends on the drug and where you fill your prescription Section 5.2 A table that shows your costs for a one-month supply of a drug Section 5.3 If your doctor prescribes less than a full month s supply, you may not have to pay the cost of the entire month s supply Section 5.4 A table that shows your costs for a long-term 90-day supply of a drug.130 Section 5.5 You stay in the Initial Coverage Stage until your total drug costs for the year reach $3, SECTION 6 Section 6.1 Section 6.2 During the Coverage Gap Stage, you receive a discount on brand name drugs and pay no more than 51% of the costs of generic drugs You stay in the Coverage Gap Stage until your out-of-pocket costs reach $4, How Medicare calculates your out-of-pocket costs for prescription drugs...133

140 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 122 Chapter 6. What you pay for your Part D prescription drugs SECTION 7 Section 7.1 SECTION 8 Section 8.1 Section 8.2 During the Catastrophic Coverage Stage, the plan pays most of the cost for your drugs Once you are in the Catastrophic Coverage Stage, you will stay in this stage for the rest of the year What you pay for vaccinations covered by Part D depends on how and where you get them Our plan may have separate coverage for the Part D vaccine medication itself and for the cost of giving you the vaccine You may want to call us at Member Services before you get a vaccination SECTION 9 Do you have to pay the Part D late enrollment penalty? Section 9.1 What is the Part D late enrollment penalty? Section 9.2 How much is the Part D late enrollment penalty? Section 9.3 In some situations, you can enroll late and not have to pay the penalty 138 Section 9.4 What can you do if you disagree about your late enrollment penalty?..139 SECTION 10 Do you have to pay an extra Part D amount because of your income? Section 10.1 Who pays an extra Part D amount because of income? Section 10.2 How much is the extra Part D amount? Section 10.3 What can you do if you disagree about paying an extra Part D amount? Section 10.4 What happens if you do not pay the extra Part D amount?...141

141 question mark. Did 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 123 Chapter 6. What you pay for your Part D prescription drugs you know there are programs to help people pay for their drugs? There are programs to help people with limited resources pay for their drugs. These include Extra Help and State Pharmaceutical Assistance Programs. For more information, see Chapter 2, Section 7. Are you currently getting help to pay for your drugs? If you are in a program that helps pay for your drugs, some information in this Evidence of Coverage about the costs for Part D prescription drugs may not apply to you. We have included a separate insert, called the Evidence of Coverage Rider for People Who Get Extra Help Paying for Prescription Drugs (also known as the Low Income Subsidy Rider or the LIS Rider ), which tells you about your drug coverage. If you do not have this insert, please call Member Services and ask for the LIS Rider. (Phone numbers for Member Services are printed on the back cover of this booklet.) SECTION 1 Section 1.1 Introduction Use this chapter together with other materials that explain your drug coverage This chapter focuses on what you pay for your Part D prescription drugs. To keep things simple, we use drug in this chapter to mean a Part D prescription drug. As explained in Chapter 5, not all drugs are Part D drugs some drugs are covered under Medicare Part A or Part B and other drugs are excluded from Medicare coverage by law. To understand the payment information we give you in this chapter, you need to know the basics of what drugs are covered, where to fill your prescriptions, and what rules to follow when you get your covered drugs. Here are materials that explain these basics: The plan s List of Covered Drugs (Formulary). To keep things simple, we call this the Drug List. o This Drug List tells which drugs are covered for you. o It also tells which of the five cost-sharing tiers the drug is in and whether there are any restrictions on your coverage for the drug. o If you need a copy of the Drug List, call Member Services (phone numbers are printed on the back cover of this booklet). You can also find the Drug List on our websites at or The Drug List on the website is always the most current. Chapter 5 of this booklet. Chapter 5 gives the details about your prescription drug coverage, including rules you need to follow when you get your covered drugs. Chapter 5 also tells which types of prescription drugs are not covered by our plan.

142 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 124 Chapter 6. What you pay for your Part D prescription drugs The plan s Pharmacy Directory. In most situations you must use a network pharmacy to get your covered drugs (see Chapter 5 for the details). The Pharmacy Directory has a list of pharmacies in the plan s network. It also tells you which pharmacies in our network can give you a long-term supply of a drug (such as filling a prescription for a threemonth s supply). Section 1.2 Types of out-of-pocket costs you may pay for covered drugs To understand the payment information we give you in this chapter, you need to know about the types of out-of-pocket costs you may pay for your covered services. The amount that you pay for a drug is called cost-sharing and there are three ways you may be asked to pay. The deductible is the amount you must pay for drugs before our plan begins to pay its share. Copayment means that you pay a fixed amount each time you fill a prescription. Coinsurance means that you pay a percent of the total cost of the drug each time you fill a prescription. SECTION 2 Section 2.1 What you pay for a drug depends on which drug payment stage you are in when you get the drug What are the drug payment stages for Vantage Medicare Advantage ZERO Premium (HMO-POS) members? As shown in the table below, there are drug payment stages for your prescription drug coverage under Vantage Medicare Advantage ZERO Premium (HMO-POS). How much you

143 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 125 Chapter 6. What you pay for your Part D prescription drugs pay for a drug depends on which of these stages you are in at the time you get a prescription filled or refilled. Stage 1 Yearly Deductible Stage Stage 2 Initial Coverage Stage Stage 3 Coverage Gap Stage Stage 4 Catastrophic Coverage Stage During this stage, you pay the full cost of your Tier 4 and Tier 5 drugs. You stay in this stage until you have paid $125 for your Tier 4 and Tier 5 drugs ($125 is the amount of your Tier 4 and Tier 5 deductible). (Details are in Section 4 of this chapter.) During this stage, the plan pays its share of the cost of your Tier1, Tier 2 and Tier 3 drugs and you pay your share of the cost. After you (or others on your behalf) have met your Tier 4 and Tier 5 deductible, the plans pays its share of the costs of your Tier 4 and Tier 5 drugs and you pay your share. You stay in this stage until your year-to-date total drug costs (your payments plus any Part D plan s payments) total $3,700. During this stage, you pay 40% of the price for brand name drugs (plus a portion of the dispensing fee) and 51% of the price for generic drugs. You stay in this stage until your year-to-date out-ofpocket costs (your payments) reach a total of $4,950. This amount and rules for counting costs toward this amount have been set by Medicare. (Details are in Section 6 of this chapter.) During this stage, the plan will pay most of the cost of your drugs for the rest of the calendar year (through December 31, 2017). (Details are in Section 7 of this chapter.) (Details are in Section 5 of this chapter.)

144 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 126 Chapter 6. What you pay for your Part D prescription drugs SECTION 3 Section 3.1 We send you reports that explain payments for your drugs and which payment stage you are in We send you a monthly report called the Part D Explanation of Benefits (the Part D EOB ) Our plan keeps track of the costs of your prescription drugs and the payments you have made when you get your prescriptions filled or refilled at the pharmacy. This way, we can tell you when you have moved from one drug payment stage to the next. In particular, there are two types of costs we keep track of: We keep track of how much you have paid. This is called your out-of-pocket cost. We keep track of your total drug costs. This is the amount you pay out-of-pocket or others pay on your behalf plus the amount paid by the plan. Our plan will prepare a written report called the Part D Explanation of Benefits (it is sometimes called the Part D EOB ) when you have had one or more prescriptions filled through the plan during the previous month. It includes: Information for that month. This report gives the payment details about the prescriptions you have filled during the previous month. It shows the total drug costs, what the plan paid, and what you and others on your behalf paid. Totals for the year since January 1. This is called year-to-date information. It shows you the total drug costs and total payments for your drugs since the year began. Section 3.2 Help us keep our information about your drug payments up to date To keep track of your drug costs and the payments you make for drugs, we use records we get from pharmacies. Here is how you can help us keep your information correct and up to date: Show your membership card when you get a prescription filled. To make sure we know about the prescriptions you are filling and what you are paying, show your plan membership card every time you get a prescription filled. Make sure we have the information we need. There are times you may pay for prescription drugs when we will not automatically get the information we need to keep track of your out-of-pocket costs. To help us keep track of your out-of-pocket costs, you may give us copies of receipts for drugs that you have purchased. (If you are billed for a covered drug, you can ask our plan to pay our share of the cost. For instructions on how to do this, go to Chapter 7, Section 2 of this booklet.) Here are some types of situations when you may want to give us copies of your drug receipts to be sure we have a complete record of what you have spent for your drugs:

145 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 127 Chapter 6. What you pay for your Part D prescription drugs o When you purchase a covered drug at a network pharmacy at a special price or using a discount card that is not part of our plan s benefit. o When you made a copayment for drugs that are provided under a drug manufacturer patient assistance program. o Any time you have purchased covered drugs at out-of-network pharmacies or other times you have paid the full price for a covered drug under special circumstances. Send us information about the payments others have made for you. Payments made by certain other individuals and organizations also count toward your out-of-pocket costs and help qualify you for catastrophic coverage. For example, payments made by a State Pharmaceutical Assistance Program, an AIDS drug assistance program (ADAP), the Indian Health Service, and most charities count toward your out-of-pocket costs. You should keep a record of these payments and send them to us so we can track your costs. Check the written report we send you. When you receive an Part D Explanation of Benefits (a Part D EOB ) in the mail, please look it over to be sure the information is complete and correct. If you think something is missing from the report, or you have any questions, please call us at Member Services (phone numbers are printed on the back cover of this booklet).be sure to keep these reports. They are an important record of your drug expenses. SECTION 4 Section 4.1 During the Deductible Stage, you pay the full cost of your Tier 4 and Tier 5 drugs You stay in the Deductible Stage until you have paid $125 for your Tier 4 and Tier 5 drugs The Deductible Stage is the first payment stage for your drug coverage. You will pay a yearly deductible of $125 on Tier 4 and Tier 5 drugs. You must pay the full cost of your Tier 4 and Tier 5 drugs until you reach the plan s deductible amount. For all other drugs, you will not have to pay any deductible and will start receiving coverage immediately. Your full cost is usually lower than the normal full price of the drug, since our plan has negotiated lower costs for most drugs. The deductible is the amount you must pay for your Part D prescription drugs before the plan begins to pay its share. Once you have paid $125 for your Tier 4 and Tier 5 drugs, you leave the Deductible Stage and move on to the next drug payment stage, which is the Initial Coverage Stage.

146 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 128 Chapter 6. What you pay for your Part D prescription drugs SECTION 5 Section 5.1 During the Initial Coverage Stage, the plan pays its share of your drug costs and you pay your share What you pay for a drug depends on the drug and where you fill your prescription During the Initial Coverage Stage, the plan pays its share of the cost of your covered prescription drugs, and you pay your share (your copayment or coinsurance amount). Your share of the cost will vary depending on the drug and where you fill your prescription. The plan has five (5) cost-sharing tiers Every drug on the plan s Drug List is in one of five cost-sharing tiers. In general, the higher the cost-sharing tier number, the higher your cost for the drug: Tier 1 includes preferred generic drugs and is the lowest tier. Tier 2 includes generic drugs. Tier 3 includes preferred brand drugs. Tier 4 includes non-preferred brand drugs. Tier 5 includes specialty drugs and is the highest tier. To find out which cost-sharing tier your drug is in, look it up in the plan s Drug List. Your pharmacy choices How much you pay for a drug depends on whether you get the drug from: A retail pharmacy that is in our plan s network A pharmacy that is not in the plan s network The plan s mail-order pharmacy For more information about these pharmacy choices and filling your prescriptions, see Chapter 5 in this booklet and the plan s Pharmacy Directory. Section 5.2 A table that shows your costs for a one-month supply of a drug During the Initial Coverage Stage, your share of the cost of a covered drug will be either a copayment or coinsurance. Copayment means that you pay a fixed amount each time you fill a prescription. Coinsurance means that you pay a percent of the total cost of the drug each time you fill a prescription.

147 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 129 Chapter 6. What you pay for your Part D prescription drugs As shown in the table below, the amount of the copayment or coinsurance depends on which cost-sharing tier your drug is in. Please note: If your covered drug costs less than the copayment amount listed in the chart, you will pay that lower price for the drug. You pay either the full price of the drug or the copayment amount, whichever is lower. We cover prescriptions filled at out-of-network pharmacies in only limited situations. Please see Chapter 5, Section 2.5 for information about when we will cover a prescription filled at an out-of-network pharmacy. Your share of the cost when you get a one-month supply of a covered Part D prescription drug: Cost-Sharing Tier 1 (Preferred Generic Drugs) Cost-Sharing Tier 2 (Generic Drugs) Cost-Sharing Tier 3 (Preferred Brand Drugs) Cost-Sharing Tier 4 (Non-Preferred Brand Drugs) Retail costsharing (innetwork) (up to a 31- day supply) $4 copayment $10 copayment $47 copayment $100 copayment Mail-order cost-sharing (up to a 31- day supply) $4 copayment Mail order is not available for drugs in Tier 2 Mail order is not available for drugs in Tier 3 Mail order is not available for drugs in Tier 4 25% coinsurance Long-term care (LTC) cost-sharing (up to a 31- day supply) $4 copayment $10 copayment $47 copayment $100 copayment Out-of-network cost-sharing (Coverage is limited to certain situations; see Chapter 5 for details.) (up to a 31-day supply) $4 copayment plus cost differential* $10 copayment plus cost differential* $47 copayment plus cost differential* $100 copayment plus cost differential* Cost-Sharing Tier 5 25% 25% 25% coinsurance coinsurance coinsurance plus cost (Specialty Drugs) differential* *Cost differential difference between billed amount and contracted rate.

148 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 130 Chapter 6. What you pay for your Part D prescription drugs Section 5.3 If your doctor prescribes less than a full month s supply, you may not have to pay the cost of the entire month s supply Typically, the amount you pay for a prescription drug covers a full month s supply of a covered drug. However your doctor can prescribe less than a month s supply of drugs. There may be times when you want to ask your doctor about prescribing less than a month s supply of a drug (for example, when you are trying a medication for the first time that is known to have serious side effects). If your doctor prescribes less than a full month s supply, you will not have to pay for the full month s supply for certain drugs. The amount you pay when you get less than a full month s supply will depend on whether you are responsible for paying coinsurance (a percentage of the total cost) or a copayment (a flat dollar amount). If you are responsible for coinsurance, you pay a percentage of the total cost of the drug. You pay the same percentage regardless of whether the prescription is for a full month s supply or for fewer days. However, because the entire drug cost will be lower if you get less than a full month s supply, the amount you pay will be less. If you are responsible for a copayment for the drug, your copayment will be based on the number of days of the drug that you receive. We will calculate the amount you pay per day for your drug (the daily cost-sharing rate ) and multiply it by the number of days of the drug you receive. o Here is an example: Let us say the copayment for your drug for a full month s supply (a 31-day supply) is $47. This means that the amount you pay per day for your drug is $1.51. If you receive a 7 days supply of the drug, your payment will be $1.51 per day multiplied by 7 days, for a total payment of $10.60 (rounded). Daily cost-sharing allows you to make sure a drug works for you before you have to pay for an entire month s supply. You can also ask your doctor to prescribe, and your pharmacist to dispense, less than a full month s supply of a drug or drugs, if this will help you better plan refill date for different prescriptions so that you can take fewer trips to the pharmacy. The amount you pay will depend upon the days supply you receive. Section 5.4 A table that shows your costs for a long-term 90-day supply of a drug For some drugs, you can get a long-term supply (also called an extended supply ) when you fill your prescription. A long-term supply is a 90-day supply. (For details on where and how to get a long-term supply of a drug, see Chapter 5, Section 2.4.) The table below shows what you pay when you get a long-term 90-day supply of a drug.

149 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 131 Chapter 6. What you pay for your Part D prescription drugs Please note: If your covered drug costs less than the copayment amount listed in the chart, you will pay that lower price for the drug. You pay either the full price of the drug or the copayment amount, whichever is lower. Your share of the cost when you get a long-term supply of a covered Part D prescription drug: Retail cost-sharing (in-network) (90-day supply) Preferred Mailorder cost-sharing (in-network) (90-day supply) Standard Mailorder cost-sharing (90-day supply) Cost-Sharing Tier 1 (Preferred Generic Drugs) Cost-Sharing Tier 2 (Generic Drugs) Cost-Sharing Tier 3 (Preferred Brand Drugs) Cost-Sharing Tier 4 (Non-Preferred Brand Drugs) $12 copayment $0 copayment $12 copayment $30 copayment $30 copayment $30 copayment $141 copayment $141 copayment $141 copayment $300 copayment $300 copayment $300 copayment Cost-Sharing Tier 5 (Specialty Drugs) A long-term supply is not available for drugs in Tier 5. A long-term supply is not available for drugs in Tier 5. A long-term supply is not available for drugs in Tier 5. Section 5.5 You stay in the Initial Coverage Stage until your total drug costs for the year reach $3,700 You stay in the Initial Coverage Stage until the total amount for the prescription drugs you have filled and refilled reaches the $3,700 limit for the Initial Coverage Stage. Your total drug cost is based on adding together what you have paid and what any Part D plan has paid: What you have paid for all the covered drugs you have gotten since you started with your first drug purchase of the year. (See Section 6.2 for more information about how Medicare calculates your out-of-pocket costs.) This includes:

150 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 132 Chapter 6. What you pay for your Part D prescription drugs o The $125 you paid when you were in the Deductible Stage. o The total you paid as your share of the cost for your drugs during the Initial Coverage Stage. What the plan has paid as its share of the cost for your drugs during the Initial Coverage Stage. (If you were enrolled in a different Part D plan at any time during 2017, the amount that plan paid during the Initial Coverage Stage also counts toward your total drug costs.) The Part D Explanation of Benefits (Part D EOB) that we send to you will help you keep track of how much you and the plan, as well as any third parties, have spent on your behalf during the year. Many people do not reach the $3,700 limit in a year. We will let you know if you reach this $3,700. If you do reach this amount, you will leave the Initial Coverage Stage and move on to the Coverage Gap Stage. SECTION 6 During the Coverage Gap Stage, you receive a discount on brand name drugs and pay no more than 51% of the costs of generic drugs Section 6.1 You stay in the Coverage Gap Stage until your out-of-pocket costs reach $4,950 When you are in the Coverage Gap Stage, the Medicare Coverage Gap Discount Program provides manufacturer discounts on brand name drugs. You pay 40% of the negotiated price and a portion of the dispensing fee for brand name drugs. Both the amount you pay and the amount discounted by the manufacturer count toward your out-of-pocket costs as if you had paid them and moves you through the coverage gap. You also receive some coverage for generic drugs. You pay no more than 51% of the cost for generic drugs and the plan pays the rest. For all generic drugs, the amount paid by the plan (49%) does not count toward your out-of-pocket costs. Only the amount you pay counts and moves you through the coverage gap. You continue paying the discounted price for brand name drugs and no more than 51% of the costs of generic drugs until your yearly out-of-pocket payments reach a maximum amount that Medicare has set. In 2017, that amount is $4,950. Medicare has rules about what counts and what does not count as your out-of-pocket costs. When you reach an out-of-pocket limit of $4,950, you leave the Coverage Gap Stage and move on to the Catastrophic Coverage Stage.

151 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 133 Chapter 6. What you pay for your Part D prescription drugs Section 6.2 How Medicare calculates your out-of-pocket costs for prescription drugs Here are Medicare s rules that we must follow when we keep track of your out-of-pocket costs for your drugs. These payments are included in your out-of-pocket costs When you add up your out-of-pocket costs, you can include the payments listed below (as long as they are for Part D covered drugs and you followed the rules for drug coverage that are explained in Chapter 5 of this booklet): The amount you pay for drugs when you are in any of the following drug payment stages: o The Deductible Stage. o The Initial Coverage Stage. o The Coverage Gap Stage. Any payments you made during this calendar year as a member of a different Medicare prescription drug plan before you joined our plan. It matters who pays: If you make these payments yourself, they are included in your out-of-pocket costs. These payments are also included if they are made on your behalf by certain other individuals or organizations. This includes payments for your drugs made by a friend or relative, by most charities, by AIDS drug assistance programs, by a State Pharmaceutical Assistance Program that is qualified by Medicare, or by the Indian Health Service. Payments made by Medicare s Extra Help Program are also included. Some of the payments made by the Medicare Coverage Gap Discount Program are included. The amount the manufacturer pays for your brand name drugs is included. But the amount the plan pays for your generic drugs is not included. Moving on to the Catastrophic Coverage Stage: When you (or those paying on your behalf) have spent a total of $4,950 in out-of-pocket costs within the calendar year, you will move from the Coverage Gap Stage to the Catastrophic Coverage Stage.

152 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 134 Chapter 6. What you pay for your Part D prescription drugs These payments are not included in your out-of-pocket costs When you add up your out-of-pocket costs, you are not allowed to include any of these types of payments for prescription drugs: Drugs you buy outside the United States and its territories. Drugs that are not covered by our plan. Drugs you get at an out-of-network pharmacy that do not meet the plan s requirements for out-of-network coverage. Non-Part D drugs, including prescription drugs covered by Part A or Part B and other drugs excluded from coverage by Medicare. Payments you make toward prescription drugs not normally covered in a Medicare Prescription Drug Plan. Payments made by the plan for your brand or generic drugs while in the Coverage Gap. Payments for your drugs that are made by group health plans including employer health plans. Payments for your drugs that are made by certain insurance plans and governmentfunded health programs such as TRICARE and the Veteran s Administration. Payments for your drugs made by a third-party with a legal obligation to pay for prescription costs (for example, Workers Compensation). Reminder: If any other organization such as the ones listed above pays part or all of your out-of-pocket costs for drugs, you are required to tell our plan. Call Member Services to let us know (phone numbers are printed on the back cover of this booklet). How can you keep track of your out-of-pocket total? We will help you. The Part D Explanation of Benefits (Part D EOB) report we send to you includes the current amount of your out-of-pocket costs (Section 3 in this chapter tells about this report). When you reach a total of $4,950 in out-of-pocket costs for the year, this report will tell you that you have left the Coverage Gap Stage and have moved on to the Catastrophic Coverage Stage. Make sure we have the information we need. Section 3.2 tells what you can do to help make sure that our records of what you have spent are complete and up to date.

153 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 135 Chapter 6. What you pay for your Part D prescription drugs SECTION 7 Section 7.1 During the Catastrophic Coverage Stage, the plan pays most of the cost for your drugs Once you are in the Catastrophic Coverage Stage, you will stay in this stage for the rest of the year You qualify for the Catastrophic Coverage Stage when your out-of-pocket costs have reached the $4,950 limit for the calendar year. Once you are in the Catastrophic Coverage Stage, you will stay in this payment stage until the end of the calendar year. During this stage, the plan will pay most of the cost for your drugs. Your share of the cost for a covered drug will be either coinsurance or a copayment, whichever is the larger amount: o either coinsurance of 5% of the cost of the drug o or $3.30 for a generic drug or a drug that is treated like a generic and $8.25 for all other drugs. Our plan pays the rest of the cost. SECTION 8 Section 8.1 What you pay for vaccinations covered by Part D depends on how and where you get them Our plan may have separate coverage for the Part D vaccine medication itself and for the cost of giving you the vaccine Our plan provides coverage of a number of Part D vaccines. We also cover vaccines that are considered medical benefits. You can find out about coverage of these vaccines by going to the Medical Benefits Chart in Chapter 4, Section 2.1. There are two parts to our coverage of Part D vaccinations: The first part of coverage is the cost of the vaccine medication itself. The vaccine is a prescription medication. The second part of coverage is for the cost of giving you the vaccine. (This is sometimes called the administration of the vaccine.) What do you pay for a Part D vaccination? What you pay for a Part D vaccination depends on three things: 1. The type of vaccine (what you are being vaccinated for).

154 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 136 Chapter 6. What you pay for your Part D prescription drugs o Some vaccines are considered medical benefits. You can find out about your coverage of these vaccines by going to Chapter 4, Medical Benefits Chart (what is covered and what you pay). o Other vaccines are considered Part D drugs. You can find these vaccines listed in the plan s List of Covered Drugs (Formulary). 2. Where you get the vaccine medication. 3. Who gives you the vaccine? What you pay at the time you get the Part D vaccination can vary depending on the circumstances. For example: Sometimes when you get your vaccine, you will have to pay the entire cost for both the vaccine medication and for getting the vaccine. You can ask our plan to pay you back for our share of the cost. Other times, when you get the vaccine medication or the vaccine, you will pay only your share of the cost. To show how this works, here are three common ways you might get a Part D vaccine. Remember you are responsible for all of the costs associated with vaccines (including their administration) during the Deductible and Coverage Gap Stage of your benefit. Situation 1: Situation 2: You buy the Part D vaccine at the pharmacy and you get your vaccine at the network pharmacy. (Whether you have this choice depends on where you live. Some states do not allow pharmacies to administer a vaccination.) You will have to pay the pharmacy the amount of your coinsurance OR copayment for the vaccine and the cost of giving you the vaccine. Our plan will pay the remainder of the costs. You get the Part D vaccination at your doctor s office. When you get the vaccination, you will pay for the entire cost of the vaccine and its administration. You can then ask our plan to pay our share of the cost by using the procedures that are described in Chapter 7 of this booklet (Asking us to pay our share of a bill you have received for covered medical services or drugs). You will be reimbursed the amount you paid less your normal coinsurance OR copayment for the vaccine (including administration) less any difference between the amount the doctor charges and what we normally pay. (If you get Extra Help, we will reimburse you for this difference.)

155 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 137 Chapter 6. What you pay for your Part D prescription drugs Situation 3: Section 8.2 You buy the Part D vaccine at your pharmacy, and then take it to your doctor s office where they give you the vaccine. You will have to pay the pharmacy the amount of your coinsurance OR copayment for the vaccine itself. When your doctor gives you the vaccine, you will pay the entire cost for this service. You can then ask our plan to pay our share of the cost by using the procedures described in Chapter 7 of this booklet. You will be reimbursed the amount charged by the doctor for administering the vaccine less any difference between the amount the doctor charges and what we normally pay. (If you get Extra Help, we will reimburse you for this difference.) You may want to call us at Member Services before you get a vaccination The rules for coverage of vaccinations are complicated. We are here to help. We recommend that you call us first at Member Services whenever you are planning to get a vaccination. (Phone numbers for Member Services are printed on the back cover of this booklet.) We can tell you about how your vaccination is covered by our plan and explain your share of the cost. We can tell you how to keep your own cost down by using providers and pharmacies in our network. If you are not able to use a network provider and pharmacy, we can tell you what you need to do to get payment from us for our share of the cost. SECTION 9 Section 9.1 Do you have to pay the Part D late enrollment penalty? What is the Part D late enrollment penalty? Note: If you receive Extra Help from Medicare to pay for your prescription drugs, you will not pay a late enrollment penalty. The late enrollment penalty is an amount that is added to your Part D premium. You may owe a late enrollment penalty if at any time after your initial enrollment period is over, there is a period of 63 days or more in a row when you did not have Part D or other creditable prescription drug coverage. Creditable prescription drug coverage is coverage that meets Medicare s minimum standards since it is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage. The amount of the penalty depends on how long you waited to enroll in a creditable prescription drug coverage plan any time after the end of your initial enrollment

156 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 138 Chapter 6. What you pay for your Part D prescription drugs period or how many full calendar months you went without creditable prescription drug coverage. You will have to pay this penalty for as long as you have Part D coverage. When you first enroll in Vantage Medicare Advantage ZERO Premium (HMO-POS), we let you know the amount of the penalty. Your late enrollment penalty is considered part of your plan premium. If you do not pay your late enrollment penalty, you could lose your prescription drug benefits for failure to pay your plan premium. Section 9.2 How much is the Part D late enrollment penalty? Medicare determines the amount of the penalty. Here is how it works: First count the number of full months that you delayed enrolling in a Medicare drug plan, after you were eligible to enroll. Or count the number of full months in which you did not have creditable prescription drug coverage, if the break in coverage was 63 days or more. The penalty is 1% for every month that you did not have creditable coverage. For example, if you go 14 months without coverage, the penalty will be 14%. Then Medicare determines the amount of the average monthly premium for Medicare drug plans in the nation from the previous year. For 2017, this average premium amount is $ To calculate your monthly penalty, you multiply the penalty percentage and the average monthly premium and then round it to the nearest 10 cents. In the example here it would be 14% times $35.63, which equals $4.99. This rounds to $5.00. This amount would be added to the monthly premium for someone with a late enrollment penalty. There are three important things to note about this monthly late enrollment penalty: First, the penalty may change each year, because the average monthly premium can change each year. If the national average premium (as determined by Medicare) increases, your penalty will increase. Second, you will continue to pay a penalty every month for as long as you are enrolled in a plan that has Medicare Part D drug benefits. Third, if you are under 65 and currently receiving Medicare benefits, the late enrollment penalty will reset when you turn 65. After age 65, your late enrollment penalty will be based only on the months that you do not have coverage after your initial enrollment period for aging into Medicare. Section 9.3 In some situations, you can enroll late and not have to pay the penalty Even if you have delayed enrolling in a plan offering Medicare Part D coverage when you were first eligible, sometimes you do not have to pay the late enrollment penalty.

157 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 139 Chapter 6. What you pay for your Part D prescription drugs You will not have to pay a penalty for late enrollment if you are in any of these situations: If you already have prescription drug coverage that is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage. Medicare calls this creditable drug coverage. Please note: o Creditable coverage could include drug coverage from a former employer or union, TRICARE, or the Department of Veterans Affairs. Your insurer or your human resources department will tell you each year if your drug coverage is creditable coverage. This information may be sent to you in a letter or included in a newsletter from the plan. Keep this information, because you may need it if you join a Medicare drug plan later. Please note: If you receive a certificate of creditable coverage when your health coverage ends, it may not mean your prescription drug coverage was creditable. The notice must state that you had creditable prescription drug coverage that expected to pay as much as Medicare s standard prescription drug plan pays. o The following are not creditable prescription drug coverage: prescription drug discount cards, free clinics, and drug discount websites. o For additional information about creditable coverage, please look in your Medicare & You 2017 Handbook or call Medicare at MEDICARE ( ). TTY users call You can call these numbers for free, 24 hours a day, 7 days a week. If you were without creditable coverage, but you were without it for less than 63 days in a row. If you are receiving Extra Help from Medicare. Section 9.4 What can you do if you disagree about your late enrollment penalty? If you disagree about your late enrollment penalty, you or your representative can ask for a review of the decision about your late enrollment penalty. Generally, you must request this review within 60 days from the date on the letter you receive stating you have to pay a late enrollment penalty. Call Member Services to find out more about how to do this (phone numbers are printed on the back cover of this booklet). Important: Do not stop paying your late enrollment penalty while you are waiting for a review of the decision about your late enrollment penalty. If you do, you could be disenrolled for failure to pay your plan premiums.

158 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 140 Chapter 6. What you pay for your Part D prescription drugs SECTION 10 Section 10.1 Do you have to pay an extra Part D amount because of your income? Who pays an extra Part D amount because of income? Most people pay a standard monthly Part D premium. However, some people pay an extra amount because of their yearly income. If your income is $85,000 or above for an individual (or married individuals filing separately) or $170,000 or above for married couples, you must pay an extra amount directly to the government for your Medicare Part D coverage. If you have to pay an extra amount, Social Security, not your Medicare plan, will send you a letter telling you what that extra amount will be and how to pay it. The extra amount will be withheld from your Social Security, Railroad Retirement Board, or Office of Personnel Management benefit check, no matter how you usually pay your plan premium, unless your monthly benefit is not enough to cover the extra amount owed. If your benefit check is not enough to cover the extra amount, you will get a bill from Medicare. You must pay the extra amount to the government. It cannot be paid with your monthly plan premium. Section 10.2 How much is the extra Part D amount? If your modified adjusted gross income (MAGI) as reported on your IRS tax return is above a certain amount, you will pay an extra amount in addition to your monthly plan premium. The chart below shows the extra amount based on your income.

159 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 141 Chapter 6. What you pay for your Part D prescription drugs If you filed an individual tax return and your income in 2015 was: If you were married but filed a separate tax return and your income in 2015 was: If you filed a joint tax return and your income in 2015 was: This is the monthly cost of your extra Part D amount (to be paid in addition to your plan premium) Equal to or less than $85,000 Greater than $85,000 and less than or equal to $107,000 Greater than $107,000 and less than or equal to $160,000 Greater than $160,000 and less than or equal to $214,000 Greater than $214,000 Equal to or less than $85,000 Greater than $85,000 and less than or equal to $129,000 Greater than $129,000 Equal to or less than $170,000 Greater than $170,000 and less than or equal to $214,000 Greater than $214,000 and less than or equal to $320,000 Greater than $320,000 and less than or equal to $428,000 $0 $13.30 $34.20 $55.20 Greater than $428,000 $76.20 Section 10.3 What can you do if you disagree about paying an extra Part D amount? If you disagree about paying an extra amount because of your income, you can ask Social Security to review the decision. To find out more about how to do this, contact Social Security at (TTY ). Section 10.4 What happens if you do not pay the extra Part D amount? The extra amount is paid directly to the government (not your Medicare plan) for your Medicare Part D coverage. If you are required to pay the extra amount and you do not pay it, you will be disenrolled from the plan and lose prescription drug coverage.

160 CHAPTER 7 Asking us to pay our share of a bill you have received for covered medical services or drugs

161 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 143 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs SECTION 1 Section 1.1 Situations in which you should ask us to pay our share of the cost of your covered services or drugs If you pay our plan s share of the cost of your covered services or drugs, or if you receive a bill, you can ask us for payment SECTION 2 How to ask us to pay you back or to pay a bill you have received Section 2.1 How and where to send us your request for payment SECTION 3 Section 3.1 Section 3.2 SECTION 4 Section 4.1 We will consider your request for payment and say yes or no We check to see whether we should cover the service or drug and how much we owe If we tell you that we will not pay for all or part of the medical care or drug, you can make an appeal Other situations in which you should save your receipts and send copies to us In some cases, you should send copies of your receipts to us to help us track your out-of-pocket drug costs...148

162 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 144 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs SECTION 1 Section 1.1 Situations in which you should ask us to pay our share of the cost of your covered services or drugs If you pay our plan s share of the cost of your covered services or drugs, or if you receive a bill, you can ask us for payment Sometimes when you get medical care or a prescription drug, you may need to pay the full cost right away. Other times, you may find that you have paid more than you expected under the coverage rules of the plan. In either case, you can ask our plan to pay you back (paying you back is often called reimbursing you). It is your right to be paid back by our plan whenever you have paid more than your share of the cost for medical services or drugs that are covered by our plan. There may also be times when you get a bill from a provider for the full cost of medical care you have received. In many cases, you should send this bill to us instead of paying it. We will look at the bill and decide whether the services should be covered. If we decide they should be covered, we will pay the provider directly. Here are examples of situations in which you may need to ask our plan to pay you back or to pay a bill you have received: 1. When you have received emergency or urgently needed medical care from a provider who is not in our plan s network You can receive emergency services from any provider, whether or not the provider is a part of our network. When you receive emergency or urgently needed services from a provider who is not part of our network, you are only responsible for paying your share of the cost, not for the entire cost. You should ask the provider to bill the plan for our share of the cost. If you pay the entire amount yourself at the time you receive the care, you need to ask us to pay you back for our share of the cost. Send us the bill, along with documentation of any payments you have made. At times you may get a bill from the provider asking for payment that you think you do not owe. Send us this bill, along with documentation of any payments you have already made. o If the provider is owed anything, we will pay the provider directly. o If you have already paid more than your share of the cost of the service, we will determine how much you owed and pay you back for our share of the cost.

163 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 145 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs 2. When a network provider sends you a bill you think you should not pay Network providers should always bill the plan directly, and ask you only for your share of the cost. But sometimes they make mistakes, and ask you to pay more than your share. You only have to pay your cost-sharing amount when you get services covered by our plan. We do not allow providers to add additional separate charges, called balance billing. This protection (that you never pay more than your cost-sharing amount) applies even if we pay the provider less than the provider charges for a service and even if there is a dispute and we do not pay certain provider charges. For more information about balance billing, go to Chapter 4, Section 1.4. Whenever you get a bill from a network provider that you think is more than you should pay, send us the bill. We will contact the provider directly and resolve the billing problem. If you have already paid a bill to a network provider, but you feel that you paid too much, send us the bill along with documentation of any payment you have made and ask us to pay you back the difference between the amount you paid and the amount you owed under the plan. 3. If you are retroactively enrolled in our plan. Sometimes a person s enrollment in the plan is retroactive. (Retroactive means that the first day of their enrollment has already passed. The enrollment date may even have occurred last year.) If you were retroactively enrolled in our plan and you paid out-of-pocket for any of your covered services or drugs after your enrollment date, you can ask us to pay you back for our share of the costs. You will need to submit paperwork for us to handle the reimbursement. Please call Member Services for additional information about how to ask us to pay you back and deadlines for making your request. (Phone numbers for Member Services are printed on the back cover of this booklet.) 4. When you use an out-of-network pharmacy to get a prescription filled If you go to an out-of-network pharmacy and try to use your membership card to fill a prescription, the pharmacy may not be able to submit the claim directly to us. When that happens, you will have to pay the full cost of your prescription. (We cover prescriptions filled at out-of-network pharmacies only in a few special situations. Please go to Chapter 5, Section 2.5 to learn more.) Save your receipt and send a copy to us when you ask us to pay you back for our share of the cost.

164 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 146 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs 5. When you pay the full cost for a prescription because you do not have your plan membership card with you If you do not have your plan membership card with you, you can ask the pharmacy to call the plan or to look up your plan enrollment information. However, if the pharmacy cannot get the enrollment information they need right away, you may need to pay the full cost of the prescription yourself. Save your receipt and send a copy to us when you ask us to pay you back for our share of the cost. 6. When you pay the full cost for a prescription in other situations You may pay the full cost of the prescription because you find that the drug is not covered for some reason. For example, the drug may not be on the plan s List of Covered Drugs (Formulary); or it could have a requirement or restriction that you did not know about or do not think should apply to you. If you decide to get the drug immediately, you may need to pay the full cost for it. Save your receipt and send a copy to us when you ask us to pay you back. In some situations, we may need to get more information from your doctor in order to pay you back for our share of the cost. All of the examples above are types of coverage decisions. This means that if we deny your request for payment, you can appeal our decision. Chapter 9 of this booklet (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)) has information about how to make an appeal. SECTION 2 Section 2.1 How to ask us to pay you back or to pay a bill you have received How and where to send us your request for payment Send us your request for payment, along with your bill and documentation of any payment you have made. It is a good idea to make a copy of your bill and receipts for your records. To make sure you are giving us all the information we need to make a decision, you can fill out our claim form to make your request for payment. You do not have to use the form, but it will help us process the information faster. Either download a copy of the form from our websites ( or or call Member Services and ask for the form. (Phone numbers for Member Services are printed on the back cover of this booklet.)

165 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 147 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs Mail your request for payment together with any bills or receipts to us at this address: 130 Desiard Street, Suite 300, Monroe, LA You must submit your claim to us within six (6) months of the date you received the service, item, or drug. Contact Member Services if you have any questions (phone numbers are printed on the back cover of this booklet). If you do not know what you should have paid, or you receive bills and you do not know what to do about those bills, we can help. You can also call if you want to give us more information about a request for payment you have already sent to us. SECTION 3 Section 3.1 We will consider your request for payment and say yes or no We check to see whether we should cover the service or drug and how much we owe When we receive your request for payment, we will let you know if we need any additional information from you. Otherwise, we will consider your request and make a coverage decision. If we decide that the medical care or drug is covered and you followed all the rules for getting the care or drug, we will pay for our share of the cost. If you have already paid for the service or drug, we will mail your reimbursement of our share of the cost to you. If you have not paid for the service or drug yet, we will mail the payment directly to the provider. (Chapter 3 explains the rules you need to follow for getting your medical services covered. Chapter 5 explains the rules you need to follow for getting your Part D prescription drugs covered.) If we decide that the medical care or drug is not covered, or you did not follow all the rules, we will not pay for our share of the cost. Instead, we will send you a letter that explains the reasons why we are not sending the payment you have requested and your rights to appeal that decision. Section 3.2 If we tell you that we will not pay for all or part of the medical care or drug, you can make an appeal If you think we have made a mistake in turning down your request for payment or you do not agree with the amount we are paying, you can make an appeal. If you make an appeal, it means you are asking us to change the decision we made when we turned down your request for payment.

166 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 148 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs For the details on how to make this appeal, go to Chapter 9 of this booklet (What to do if you have a problem or complaint (coverage decisions, appeals, complaints)). The appeals process is a formal process with detailed procedures and important deadlines. If making an appeal is new to you, you will find it helpful to start by reading Section 4 of Chapter 9. Section 4 is an introductory section that explains the process for coverage decisions and appeals and gives definitions of terms such as appeal. Then after you have read Section 4, you can go to the section in Chapter 9 that tells what to do for your situation: If you want to make an appeal about getting paid back for a medical service, go to Section 5.3 in Chapter 9. If you want to make an appeal about getting paid back for a drug, go to Section 6.5 of Chapter 9. SECTION 4 Section 4.1 Other situations in which you should save your receipts and send copies to us In some cases, you should send copies of your receipts to us to help us track your out-of-pocket drug costs There are some situations when you should let us know about payments you have made for your drugs. In these cases, you are not asking us for payment. Instead, you are telling us about your payments so that we can calculate your out-of-pocket costs correctly. This may help you to qualify for the Catastrophic Coverage Stage more quickly. Here are two situations when you should send us copies of receipts to let us know about payments you have made for your drugs: 1. When you buy the drug for a price that is lower than our price Sometimes when you are in the Deductible Stage and Coverage Gap Stage, you can buy your drug at a network pharmacy for a price that is lower than our price. For example, a pharmacy might offer a special price on the drug. Or you may have a discount card that is outside our benefit that offers a lower price. Unless special conditions apply, you must use a network pharmacy in these situations and your drug must be on our Drug List. Save your receipt and send a copy to us so that we can have your out-of-pocket expenses count toward qualifying you for the Catastrophic Coverage Stage. Please note: If you are in the Deductible Stage and Coverage Gap Stage, we will not pay for any share of these drug costs. But sending a copy of the receipt allows us to calculate your out-of-pocket costs correctly and may help you qualify for the Catastrophic Coverage Stage more quickly.

167 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 149 Chapter 7. Asking us to pay our share of a bill you have received for covered medical services or drugs 2. When you get a drug through a patient assistance program offered by a drug manufacturer Some members are enrolled in a patient assistance program offered by a drug manufacturer that is outside the plan benefits. If you get any drugs through a program offered by a drug manufacturer, you may pay a copayment to the patient assistance program. Save your receipt and send a copy to us so that we can have your out-of-pocket expenses count toward qualifying you for the Catastrophic Coverage Stage. Please note: Because you are getting your drug through the patient assistance program and not through the plan s benefits, we will not pay for any share of these drug costs. But sending a copy of the receipt allows us to calculate your out-of-pocket costs correctly and may help you qualify for the Catastrophic Coverage Stage more quickly. Since you are not asking for payment in the two cases described above, these situations are not considered coverage decisions. Therefore, you cannot make an appeal if you disagree with our decision.

168 CHAPTER 8 Your rights and responsibilities

169 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 151 Chapter 8. Your rights and responsibilities SECTION 1 Section 1.1 Chapter 8. Your rights and responsibilities Our plan must honor your rights as a member of the plan We must provide information in a way that works for you (in Braille, in large print, or other alternate formats, etc.) Section 1.2 We must treat you with fairness and respect at all times Section 1.3 We must ensure that you get timely access to your covered services and drugs Section 1.4 We must protect the privacy of your personal health information Section 1.5 We must give you information about the plan, its network of providers, and your covered services Section 1.6 We must support your right to make decisions about your care Section 1.7 Section 1.8 You have the right to make complaints and to ask us to reconsider decisions we have made What can you do if you believe you are being treated unfairly or your rights are not being respected? Section 1.9 How to get more information about your rights SECTION 2 You have some responsibilities as a member of the plan 165 Section 2.1 What are your responsibilities?...165

170 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 152 Chapter 8. Your rights and responsibilities SECTION 1 Section 1.1 Our plan must honor your rights as a member of the plan We must provide information in a way that works for you (in Braille, in large print, or other alternate formats, etc.) To get information from us in a way that works for you, please call Member Services (phone numbers are printed on the back cover of this booklet). Our plan has people and free language interpreter services available to answer questions from non-english speaking members. We can also give you information in Braille, in large print, or other alternate formats if you need it. You may choose to enroll in Vantage s Digital Documents program. This program allows you to access your Vantage plan documents, including this Evidence of Coverage, via the Vantage websites instead of traditional paper booklets. You can view the Evidence of Coverage at or or download it from the websites. You may opt out of the Digital Documents program at any time and request copies of your documents by contacting Member Services at the phone number on the back cover of this booklet. If you are eligible for Medicare because of a disability, we are required to give you information about the plan s benefits that is accessible and appropriate for you. To get information from us in a way that works for you, please call Member Services (phone numbers are printed on the back cover of this booklet). If you have any trouble getting information from our plan because of problems related to language or a disability, please call Medicare at MEDICARE ( ), 24 hours a day, 7 days a week, and tell them that you want to file a complaint. TTY users call Section 1.2 We must treat you with fairness and respect at all times Our plan must obey laws that protect you from discrimination or unfair treatment. We do not discriminate based on a person s race, ethnicity, national origin, religion, gender, age, mental or physical disability, health status, claims experience, medical history, genetic information, evidence of insurability, or geographic location within the service area. If you want more information or have concerns about discrimination or unfair treatment, please call the Department of Health and Human Services Office for Civil Rights (TTY ) or your local Office for Civil Rights. If you have a disability and need help with access to care, please call us at Member Services (phone numbers are printed on the back cover of this booklet). If you have a complaint, such as a problem with wheelchair access, Member Services can help.

171 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 153 Chapter 8. Your rights and responsibilities Section 1.3 We must ensure that you get timely access to your covered services and drugs As a member of our plan, you have the right to choose a medical home - primary care provider (MH-PCP) in the plan s network to provide and arrange for your covered services (Chapter 3 explains more about this). Call Member Services to learn which doctors are accepting new patients (phone numbers are printed on the back cover of this booklet). We do not require you to get referrals to go to network providers. As a plan member, you have the right to get appointments and covered services from the plan s network of providers within a reasonable amount of time. This includes the right to get timely services from specialists when you need that care. You also have the right to get your prescriptions filled or refilled at any of our network pharmacies without long delays. If you think that you are not getting your medical care or Part D drugs within a reasonable amount of time, Chapter 9, Section 10 of this booklet tells what you can do. (If we have denied coverage for your medical care or drugs and you do not agree with our decision, Chapter 9, Section 4 tells what you can do.) Section 1.4 We must protect the privacy of your personal health information Federal and state laws protect the privacy of your medical records and personal health information. We protect your personal health information as required by these laws. Your personal health information includes the personal information you gave us when you enrolled in this plan as well as your medical records and other medical and health information. The laws that protect your privacy give you rights related to getting information and controlling how your health information is used. We give you a written notice, called a Notice of Privacy Practice, that tells about these rights and explains how we protect the privacy of your health information. How do we protect the privacy of your health information? We make sure that unauthorized people do not see or change your records. In most situations, if we give your health information to anyone who is not providing your care or paying for your care, we are required to get written permission from you first. Written permission can be given by you or by someone you have given legal power to make decisions for you. There are certain exceptions that do not require us to get your written permission first. These exceptions are allowed or required by law.

172 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 154 Chapter 8. Your rights and responsibilities o For example, we are required to release health information to government agencies that are checking on quality of care. o Because you are a member of our plan through Medicare, we are required to give Medicare your health information including information about your Part D prescription drugs. If Medicare releases your information for research or other uses, this will be done according to Federal statutes and regulations. You can see the information in your records and know how it has been shared with others You have the right to look at your medical records held at the plan, and to get a copy of your records. We are allowed to charge you a fee for making copies. You also have the right to ask us to make additions or corrections to your medical records. If you ask us to do this, we will work with your healthcare provider to decide whether the changes should be made. You have the right to know how your health information has been shared with others for any purposes that are not routine. If you have questions or concerns about the privacy of your personal health information, please call Member Services (phone numbers are printed on the back cover of this booklet). NOTICE OF PRIVACY PRACTICES FOR VANTAGE HEALTH PLAN, INC. This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully. At Vantage Health Plan, Inc. (Vantage), we respect the confidentiality of your health information and will protect it in a responsible and professional manner. We consider this information private and confidential and have policies and procedures in place to protect the information against unlawful use and disclosure. This Notice describes what types of information we collect, explains when and to whom we may disclose it, and provides you with additional important information. We are allowed by law to use and disclose your health information to carry out the operations of our business. We are required by law to maintain the privacy of your health information, to provide you with this Notice, and abide by the Notice in effect. This Notice also informs you of your rights with respect to your health information and how you can exercise those rights. What is Protected Health Information or PHI? When we talk about information or health information in this Notice we mean Protected Health Information or PHI. PHI is any information, including genetic information, which identifies an individual enrolled in our Plan.

173 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 155 Chapter 8. Your rights and responsibilities It relates to the person s participation in the plan, the person s past, present or future physical or mental health or condition, the provision of health care to that person, or the past, present or future payment for the provision of health care to that person. PHI also includes information which identifies the person or for which there is a reasonable basis to believe it could be used to identify the person. This information includes many common identifiers (e.g., name, address, birth date, social security number). It does not include publicly available information, or information that is available or reported in a summarized fashion that does not identify any individual person. What types of personal information do we collect? Like all health benefits companies, we collect the following types of information about you: Information we receive directly or indirectly from you or your employer through applications, surveys, or other forms, in writing, in person, by telephone, or electronically, including our website (e.g., name, address, social security number, date of birth, marital status, dependent information, employment information, medical history). Information about your relationship and transactions with us, our affiliates, our providers, our agents, and others (e.g., health care claims and encounters, medical history, eligibility information, payment information, service request, and appeal and grievance information). Information we receive from the Centers for Medicare and Medicare Services (CMS) and other authorized federal and state regulatory agencies. How do we protect this information? We have policies that limit internal and external sharing of PHI to only those persons who have a need for it to provide benefit services to you and your dependents. We maintain physical, electronic, and procedural safeguards to protect PHI against unauthorized access and use. For example, access to our facilities is limited to authorized personnel and we protect information electronically through a variety of technical tools. We also have established a Privacy Committee, which has overall responsibility for the development, implementation, training, oversight and enforcement of policies and procedures to safeguard PHI against inappropriate access, use and disclosure, consistent with applicable law. If there is a breach of unsecured PHI, we will notify you. How may we use or share your information? To effectively operate your health benefit plan, we may use and share PHI about you to: Perform certain duties, which may involve claims review and payment or denial; coordination of benefits; utilization review; medical necessity review; coordination of care; response to member inquiries or requests for services; conduct of grievance, appeals, and external review programs; benefits and program analysis and reporting; risk management; detection and investigation of fraud and other unlawful conduct; auditing;

174 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 156 Chapter 8. Your rights and responsibilities underwriting as permitted by law ( genetic information may not be used or disclosed for underwriting purposes); administration and coordination of reinsurance contracts. Operate preventive health programs, early disease detection programs, disease management programs and case management programs in which we or our affiliates or contractors send educational materials and screening reminders to eligible members and providers; perform health risk assessments; identify and contact members who may benefit from participation in disease or case management programs; and send relevant information to those members who enroll in the programs, and their providers. Conduct quality improvement activities, such as the credentialing of participating network providers; and accreditation by the National Committee for Quality Assurance (NCQA), Centers for Medicare & Medicaid Services (CMS), and/or other independent organizations, where applicable. Conduct performance measurement and outcomes assessment; health claims analysis and reporting. Provide data to outside contractors who help us conduct our business operations. We will not share your PHI with these outside contractors unless they agree in writing to keep it protected. Manage data and information systems. Perform mandatory licensing, regulatory compliance/reporting, and public health activities; responding to requests for information from regulatory authorities, responding to government agency or court subpoenas as required by law, reporting suspected or actual fraud or other criminal activity; conducting litigation, arbitration, or similar dispute resolution proceedings; and performing third-party liability and subrogation activities. Change policies or contracts from and to other insurers, HMOs, or third party administrators with compliant business associate agreements. Provide data to the employer that sponsors the benefit plan through which you receive health benefits. We will not share your PHI with your benefit plan sponsor except for de-identified summary health information, enrollment and disenrollment information, specific information authorized by you and any information necessary to administer the plan. De-identified means PHI that does not identify an individual and with respect to which there is no reasonable basis to believe that the information could be used to identify an individual. We consider the activities described above as essential for the operation of our plan. For example, we may feature: Cancer screening reminder programs that promote early detection of breast, ovarian, and colorectal cancer, when these illnesses are most treatable. Disease management programs that help members work with their physicians and other providers to effectively manage chronic conditions like asthma, diabetes, and heart disease to improve quality of life and avoid preventable emergencies and hospitalizations. Quality assessment programs that help us review and improve the services we provide. A variety of outreach programs that help us educate members about the programs and services that are available to them, and let members know how they can make the most of their health benefits.

175 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 157 Chapter 8. Your rights and responsibilities There are also state and federal laws that may require us to release your health information to others. We may be required to provide information as follows: To state and federal agencies that regulate us such as the US Department of Health and Human Services, the Louisiana Department of Insurance, and the Centers for Medicare and Medicaid Services. For public health activities. For example, we may report information to the Food and Drug Administration for investigating or tracking of prescription drug and medical device problems. To public health agencies if we believe there is a serious health or safety threat. To a health oversight agency for certain oversight activities (for example, audits, inspections, licensure, and disciplinary actions.) To a court or administrative agency (for example, pursuant to a court order, search warrant or subpoena). For law enforcement purposes. For example, we may give information to a law enforcement official for purposes of identifying or locating a suspect, fugitive, material witness or missing person. To a government authority regarding child abuse, neglect or domestic violence. To a coroner or medical examiner to identify a deceased person, determine a cause of death, or as otherwise authorized by law. We may also share information with funeral directors as necessary to carry out their duties. For procurement, banking or transplantation of organs, eyes or tissue. To specialized government functions, such as military and veteran activities, national security and intelligence activities, and the protective services for the President and other government officials. For on-the-job-related injuries because of requirements of state workers compensation laws. We do not share PHI for any purpose other than those listed above. If one of the above reasons does not apply, we must get your written authorization to use or disclose your health information. For example, written authorization from you would be required for the use and/or disclosure of psychotherapy notes (if applicable) and the use of PHI for marketing purposes. Written authorization is also required for the sale of PHI. In the event that you are unable to provide the authorization (for example, if you are medically unable to give consent), we will accept authorization from any person legally authorized to give consent on your behalf, such as a parent or guardian. If you give us written authorization and change your mind, you may revoke your written authorization at any time. What are your rights? The following are your rights with respect to your PHI. If you would like to exercise any of these rights, please contact us at the address or phone numbers listed at the end of this Notice. We will require that you make your request in writing and will provide you with the appropriate forms.

176 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 158 Chapter 8. Your rights and responsibilities You have the right to inspect and/or obtain a copy or summary of information that we maintain about you in your designated record set. A designated record set is a group of records maintained by or for us that are your enrollment, payment, claims determination, and case or medical management records or a group of records, used in whole or in part, by us to make decisions about you, such as appeals and grievance records. We may charge you a reasonable administrative fee for copying, postage or summary preparation depending on your specific request. However, you do not have the right to inspect certain types of information and we cannot provide you with copies of the following information: contained in psychotherapy notes; compiled in reasonable anticipation of, or for use in a civil, criminal or administrative action or proceeding; or subject to certain federal laws governing biological products and clinical laboratories. We will respond to your request no later than 30 days after we receive it or if the information requested is not accessible or maintained on site, no later than 60 days after we receive it. Additionally, in certain other situations, we may deny your request to inspect or obtain a copy of your information. If we deny your request, we will notify you in writing and may provide you with a right to have the denial reviewed. You have the right to ask us to amend information we maintain about you in your designated record set. We will require that your request be in writing. We will respond to your request no later than 30 days after we receive it. If we are unable to act within 30 days, we may extend that time by no more than an additional 30 days. If we need the extension, we will notify you of the delay, the reason for the delay, and the date by which we will complete action on your request. If we make the amendment, we will notify you that it was made. In addition, we will provide the amendment to any person that we know has received your health information. We will also provide the amendment to other persons identified by you. If we deny your request to amend, we will notify you in writing of the reason for the denial. The denial will explain your right to file a written statement of disagreement. We have a right to dispute your statement through a written rebuttal. However, you have the right to request that your written request, our written denial and your statement of disagreement be included with your information for any future disclosures. NOTE: If you want to access or amend information about yourself, you should first go to your provider (e.g., physician, pharmacy, hospital or other caregiver) that generated the original records, which are more complete than any we maintain.

177 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 159 Chapter 8. Your rights and responsibilities You have the right to receive an accounting of certain disclosures of your information made by us during the six years prior to your request. Please note that we are not required to provide you with an accounting of the following information: Any information collected prior to April 14, Information disclosed or used for treatment, payment, and health care operations purposes. Information disclosed to you or pursuant to your authorization; Information that is incident to a use or disclosure otherwise permitted. Information disclosed for a facility's directory or to persons involved in your care or other notification purposes; Information disclosed for national security or intelligence purposes; Information disclosed to correctional institutions, law enforcement officials or health oversight agencies; Information that was disclosed or used as part of a limited data set for research, public health, or health care operations purposes. We will act on your request for an accounting within 30 days. We may need additional time to act on your request, and therefore may take up to an additional 30 days. In connection therewith, we will provide you with a written statement of the reasons for the delay and the date by which we will provide the accounting. Your first accounting will be free, and we will continue to provide to you one free accounting upon request every 12 months. However, if you request an additional accounting within 12 months of receiving your free accounting, we may charge you a fee. The fee will be reasonable and cost-based. We will inform you in advance of the fee and provide you with an opportunity to withdraw or modify your request. You have the right to ask us to restrict how we use or disclose your information for treatment, payment, or health care operations. You also have the right to ask us to restrict information that we have been asked to give to family members or to others who are involved in your health care or payment for your health care. If we engage in any type of fundraising activity, you have the right to opt out of receiving any such communication. You have the right to ask to receive confidential communications of information. We may require that your request include a statement that disclosure of all or part of the information to which the request pertains could endanger you or someone else. For example, in situations involving domestic disputes or violence, you can ask us to send the information by alternative means (for example by fax) or to an alternative address. We will try to accommodate a reasonable request made by you. What do we do with member PHI when the member is no longer enrolled in our plan? We do not destroy PHI when individuals terminate their coverage. The information is necessary and used for many purposes as described in this Notice, even after the individual leaves a plan. However, the policies and procedures that protect that information against inappropriate use and

178 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 160 Chapter 8. Your rights and responsibilities disclosure apply regardless of the status of any individual member. In many cases, PHI is subject to legal retention requirements, and after that requirement for record maintenance, PHI is destroyed in a confidential process. Exercising your rights: You have a right to receive a copy of this Notice upon request at any time. We provide this Notice to our subscribers upon enrollment in a Vantage health plan. You can also view a copy of the Notice on our website at Should any of our privacy practices change, we reserve the right to change the terms of this Notice and to make the new Notice effective for all protected health information that we maintain. Once revised, we will provide the new Notice to you and post it on our website. If you have any questions about this Notice or about how we use or share information, please write to the Vantage Privacy Officer at 130 DeSiard Street, Suite 300, Monroe, LA or Privacy.Officer@vhpla.com. Or you can contact our Member Services Department at the phone numbers listed on the front cover. If you are concerned that your privacy rights may have been violated, you may file a complaint with us. You also have the right to complain directly to the Secretary of the U.S. Department of Health and Human Services. If you have any questions about the complaint process, including the address of the Secretary of Health and Human Services, please write to our Privacy Officer at the address mentioned above or contact our Member Services Department (phone numbers are on the cover of this booklet). Vantage will not take any action against you for filing a complaint. Section 1.5 We must give you information about the plan, its network of providers, and your covered services As a member of Vantage Medicare Advantage ZERO Premium (HMO-POS), you have the right to get several kinds of information from us. (As explained above in Section 1.1, you have the right to get information from us in a way that works for you. This includes getting the information in large print or other alternate formats.) If you want any of the following kinds of information, please call Member Services (phone numbers are printed on the back cover of this booklet): Information about our plan. This includes, for example, information about the plan s financial condition. It also includes information about the number of appeals made by members and the plan s performance ratings, including how it has been rated by plan members and how it compares to other Medicare health plans. Information about our network providers including our network pharmacies.

179 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 161 Chapter 8. Your rights and responsibilities o For example, you have the right to get information from us about the qualifications of the providers and pharmacies in our network and how we pay the providers in our network. o For a list of the providers in the plan s network, see the Provider Directory. o For a list of the pharmacies in the plan s network, see the Pharmacy Directory. o For more detailed information about our providers or pharmacies, you can call Member Services (phone numbers are printed on the back cover of this booklet) or visit our websites at or Information about your coverage and the rules you must follow when using your coverage. o In Chapters 3 and 4 of this booklet, we explain what medical services are covered for you, any restrictions to your coverage, and what rules you must follow to get your covered medical services. o To get the details on your Part D prescription drug coverage, see Chapters 5 and 6 of this booklet plus the plan s List of Covered Drugs (Formulary). These chapters, together with the List of Covered Drugs (Formulary), tell you what drugs are covered and explain the rules you must follow and the restrictions to your coverage for certain drugs. o If you have questions about the rules or restrictions, please call Member Services (phone numbers are printed on the back cover of this booklet). Information about why something is not covered and what you can do about it. o If a medical service or Part D drug is not covered for you, or if your coverage is restricted in some way, you can ask us for a written explanation. You have the right to this explanation even if you received the medical service or drug from an out-of-network provider or pharmacy. o If you are not happy or if you disagree with a decision we make about what medical care or Part D drug is covered for you, you have the right to ask us to change the decision. You can ask us to change the decision by making an appeal. For details on what to do if something is not covered for you in the way you think it should be covered, see Chapter 9 of this booklet. It gives you the details about how to make an appeal if you want us to change our decision. (Chapter 9 also tells about how to make a complaint about quality of care, waiting times, and other concerns.) o If you want to ask our plan to pay our share of a bill you have received for medical care or a Part D prescription drug, see Chapter 7 of this booklet.

180 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 162 Chapter 8. Your rights and responsibilities Section 1.6 We must support your right to make decisions about your care You have the right to know your treatment options and participate in decisions about your health care You have the right to get full information from your doctors and other health care providers when you go for medical care. Your providers must explain your medical condition and your treatment choices in a way that you can understand. You also have the right to participate fully in decisions about your health care. To help you make decisions with your doctors about what treatment is best for you, your rights include the following: To know about all of your choices. This means that you have the right to be told about all of the treatment options that are recommended for your condition, no matter what they cost or whether they are covered by our plan. It also includes being told about programs our plan offers to help members manage their medications and use drugs safely. To know about the risks. You have the right to be told about any risks involved in your care. You must be told in advance if any proposed medical care or treatment is part of a research experiment. You always have the choice to refuse any experimental treatments. The right to say no. You have the right to refuse any recommended treatment. This includes the right to leave a hospital or other medical facility, even if your doctor advises you not to leave. You also have the right to stop taking your medication. Of course, if you refuse treatment or stop taking medication, you accept full responsibility for what happens to your body as a result. To receive an explanation if you are denied coverage for care. You have the right to receive an explanation from us if a provider has denied care that you believe you should receive. To receive this explanation, you will need to ask us for a coverage decision. Chapter 9 of this booklet tells how to ask the plan for a coverage decision. You have the right to give instructions about what is to be done if you are not able to make medical decisions for yourself Sometimes people become unable to make health care decisions for themselves due to accidents or serious illness. You have the right to say what you want to happen if you are in this situation. This means that, if you want to, you can: Fill out a written form to give someone the legal authority to make medical decisions for you if you ever become unable to make decisions for yourself. Give your doctors written instructions about how you want them to handle your medical care if you become unable to make decisions for yourself. The legal documents that you can use to give your directions in advance in these situations are called advance directives. There are different types of advance directives and different names

181 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 163 Chapter 8. Your rights and responsibilities for them. Documents called living will and power of attorney for health care are examples of advance directives. If you want to use an advance directive to give your instructions, here is what to do: Get the form. If you want to have an advance directive, you can get a form from your lawyer, from a social worker, or from some office supply stores. You can sometimes get advance directive forms from organizations that give people information about Medicare. Fill it out and sign it. Regardless of where you get this form, keep in mind that it is a legal document. You should consider having a lawyer help you prepare it. Give copies to appropriate people. You should give a copy of the form to your doctor and to the person you name on the form as the one to make decisions for you if you cannot. You may want to give copies to close friends or family members as well. Be sure to keep a copy at home. If you know ahead of time that you are going to be hospitalized, and you have signed an advance directive, take a copy with you to the hospital. If you are admitted to the hospital, they will ask you whether you have signed an advance directive form and whether you have it with you. If you have not signed an advance directive form, the hospital has forms available and will ask if you want to sign one. Remember, it is your choice whether you want to fill out an advance directive (including whether you want to sign one if you are in the hospital). According to law, no one can deny you care or discriminate against you based on whether or not you have signed an advance directive. What if your instructions are not followed? If you have signed an advance directive, and you believe that a doctor or hospital did not follow the instructions in it, you may file a complaint with Louisiana Department of Health & Hospitals, 628 N. 4th Street, P.O. Box 629 (Zip ), Baton Rouge, LA 70802, Phone: , Fax: Section 1.7 You have the right to make complaints and to ask us to reconsider decisions we have made If you have any problems or concerns about your covered services or care, Chapter 9 of this booklet tells what you can do. It gives the details about how to deal with all types of problems and complaints. What you need to do to follow up on a problem or concern depends on the situation. You might need to ask our plan to make a coverage decision for you, make an appeal to us to change a coverage decision, or make a complaint. Whatever you do ask for a coverage decision, make an appeal, or make a complaint we are required to treat you fairly.

182 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 164 Chapter 8. Your rights and responsibilities You have the right to get a summary of information about the appeals and complaints that other members have filed against our plan in the past. To get this information, please call Member Services (phone numbers are printed on the back cover of this booklet). Section 1.8 What can you do if you believe you are being treated unfairly or your rights are not being respected? If it is about discrimination, call the Office for Civil Rights If you believe you have been treated unfairly or your rights have not been respected due to your race, disability, religion, sex, health, ethnicity, creed (beliefs), age, or national origin, you should call the Department of Health and Human Services Office for Civil Rights at or TTY , or call your local Office for Civil Rights. Is it about something else? If you believe you have been treated unfairly or your rights have not been respected, and it is not about discrimination, you can get help dealing with the problem you are having: You can call Member Services (phone numbers are printed on the back cover of this booklet). You can call the State Health Insurance Assistance Program. For details about this organization and how to contact it, go to Chapter 2, Section 3. Or, you can call Medicare at MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Section 1.9 How to get more information about your rights There are several places where you can get more information about your rights: You can call Member Services (phone numbers are printed on the back cover of this booklet). You can call the SHIP. For details about this organization and how to contact it, go to Chapter 2, Section 3. You can contact Medicare. o You can visit the Medicare website to read or download the publication Your Medicare Rights & Protections. (The publication is available at: o Or, you can call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call

183 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 165 Chapter 8. Your rights and responsibilities SECTION 2 Section 2.1 You have some responsibilities as a member of the plan What are your responsibilities? Things you need to do as a member of the plan are listed below. If you have any questions, please call Member Services (phone numbers are printed on the back cover of this booklet). We are here to help. Get familiar with your covered services and the rules you must follow to get these covered services. Use this Evidence of Coverage booklet to learn what is covered for you and the rules you need to follow to get your covered services. o Chapters 3 and 4 give the details about your medical services, including what is covered, what is not covered, rules to follow, and what you pay. o Chapters 5 and 6 give the details about your coverage for Part D prescription drugs. If you have any other health insurance coverage or prescription drug coverage in addition to our plan, you are required to tell us. Please call Member Services to let us know (phone numbers are printed on the back cover of this booklet). o We are required to follow rules set by Medicare to make sure that you are using all of your coverage in combination when you get your covered services from our plan. This is called coordination of benefits because it involves coordinating the health and drug benefits you get from our plan with any other health and drug benefits available to you. We will help you coordinate your benefits. (For more information about coordination of benefits, go to Chapter 1, Section 7.) Tell your doctor and other health care providers that you are enrolled in our plan. Show your plan membership card whenever you get your medical care or Part D prescription drugs. Help your doctors and other providers help you by giving them information, asking questions, and following through on your care. o To help your doctors and other health providers give you the best care, learn as much as you are able to about your health problems and give them the information they need about you and your health. Follow the treatment plans and instructions that you and your doctors agree upon. o Make sure your doctors know all of the drugs you are taking, including over-thecounter drugs, vitamins, and supplements. o If you have any questions, be sure to ask. Your doctors and other health care providers are supposed to explain things in a way you can understand. If you ask a question and you do not understand the answer you are given, ask again.

184 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 166 Chapter 8. Your rights and responsibilities Be considerate. We expect all our members to respect the rights of other patients. We also expect you to act in a way that helps the smooth running of your doctor s office, hospitals, and other offices. Pay what you owe. As a plan member, you are responsible for these payments: o You must pay your late enrollment penalty to continue being a member of our plan. o In order to be eligible for our plan, you must have Medicare Part A and Medicare Part B. For that reason, some plan members must pay a premium for Medicare Part A and most plan members must pay a premium for Medicare Part B to remain a member of the plan. o For most of your medical services or drugs covered by the plan, you must pay your share of the cost when you get the service or drug. This will be a copayment (a fixed amount) or coinsurance (a percentage of the total cost). Chapter 4 tells what you must pay for your medical services. Chapter 6 tells what you must pay for your Part D prescription drugs. o If you get any medical services or drugs that are not covered by our plan or by other insurance you may have, you must pay the full cost. If you disagree with our decision to deny coverage for a service or drug, you can make an appeal. Please see Chapter 9 of this booklet for information about how to make an appeal. o If you are required to pay a late enrollment penalty, you must pay the penalty to keep your prescription drug coverage. o If you are required to pay the extra amount for Part D because of your yearly income, you must pay the extra amount directly to the government to remain a member of the plan. Tell us if you move. If you are going to move, it is important to tell us right away. Call Member Services (phone numbers are printed on the back cover of this booklet). o If you move outside of our plan service area, you cannot remain a member of our plan. (Chapter 1 tells about our service area.) We can help you figure out whether you are moving outside our service area. If you are leaving our service area, you will have a Special Enrollment Period when you can join any Medicare plan available in your new area. We can let you know if we have a plan in your new area. o If you move within our service area, we still need to know so we can keep your membership record up to date and know how to contact you. o If you move, it is also important to tell Social Security (or the Railroad Retirement Board). You can find phone numbers and contact information for these organizations in Chapter 2. Call Member Services for help if you have questions or concerns. We also welcome any suggestions you may have for improving our plan.

185 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 167 Chapter 8. Your rights and responsibilities o Phone numbers and calling hours for Member Services are printed on the back cover of this booklet. o For more information on how to reach us, including our mailing address, please see Chapter 2.

186 CHAPTER 9 What to do if you have a problem or complaint (coverage decisions, appeals, complaints)

187 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 169 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) BACKGROUND 172 SECTION 1 Introduction Section 1.1 What to do if you have a problem or concern Section 1.2 What about the legal terms? SECTION 2 You can get help from government organizations that are not connected with us Section 2.1 Where to get more information and personalized assistance SECTION 3 Section 3.1 To deal with your problem, which process should you use? Should you use the process for coverage decisions and appeals? Or should you use the process for making complaints? COVERAGE DECISIONS AND APPEALS SECTION 4 A guide to the basics of coverage decisions and appeals Section 4.1 Asking for coverage decisions and making appeals: the big picture Section 4.2 How to get help when you are asking for a coverage decision or making an appeal Section 4.3 Which section of this chapter gives the details for your situation? SECTION 5 Section 5.1 Section 5.2 Section 5.3 Your medical care: How to ask for a coverage decision or make an appeal This section tells what to do if you have problems getting coverage for medical care or if you want us to pay you back for our share of the cost of your care Step-by-step: How to ask for a coverage decision (how to ask our plan to authorize or provide the medical care coverage you want) Step-by-step: How to make a Level 1 Appeal (how to ask for a review of a medical care coverage decision made by our plan) Section 5.4 Step-by-step: How a Level 2 Appeal is done Section 5.5 What if you are asking us to pay you for our share of a bill you have received for medical care?...187

188 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 170 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) SECTION 6 Section 6.1 Your Part D prescription drugs: How to ask for a coverage decision or make an appeal This section tells you what to do if you have problems getting a Part D drug or you want us to pay you back for a Part D drug Section 6.2 What is an exception? Section 6.3 Important things to know about asking for exceptions Section 6.4 Section 6.5 Step-by-step: How to ask for a coverage decision, including an exception Step-by-step: How to make a Level 1 Appeal (how to ask for a review of a coverage decision made by our plan) Section 6.6 Step-by-step: How to make a Level 2 Appeal SECTION 7 Section 7.1 Section 7.2 Section 7.3 How to ask us to cover a longer inpatient hospital stay if you think the doctor is discharging you too soon During your inpatient hospital stay, you will get a written notice from Medicare that tells about your rights Step-by-step: How to make a Level 1 Appeal to change your hospital discharge date Step-by-step: How to make a Level 2 Appeal to change your hospital discharge date Section 7.4 What if you miss the deadline for making your Level 1 Appeal? SECTION 8 Section 8.1 How to ask us to keep covering certain medical services if you think your coverage is ending too soon This section is about three services only: Home health care, skilled nursing facility care, and Comprehensive Outpatient Rehabilitation Facility (CORF) services Section 8.2 We will tell you in advance when your coverage will be ending Section 8.3 Section 8.4 Step-by-step: How to make a Level 1 Appeal to have our plan cover your care for a longer time Step-by-step: How to make a Level 2 Appeal to have our plan cover your care for a longer time Section 8.5 What if you miss the deadline for making your Level 1 Appeal? SECTION 9 Taking your appeal to Level 3 and beyond Section 9.1 Levels of Appeal 3, 4, and 5 for Medical Service Appeals Section 9.2 Levels of Appeal 3, 4, and 5 for Part D Drug Appeals...218

189 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 171 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) MAKING COMPLAINTS SECTION 10 How to make a complaint about quality of care, waiting times, customer service, or other concerns Section 10.1 What kinds of problems are handled by the complaint process? Section 10.2 The formal name for making a complaint is filing a grievance Section 10.3 Step-by-step: Making a complaint Section 10.4 You can also make complaints about quality of care to the Quality Improvement Organization Section 10.5 You can also tell Medicare about your complaint...223

190 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 172 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) BACKGROUND SECTION 1 Section 1.1 Introduction What to do if you have a problem or concern This chapter explains two types of processes for handling problems and concerns: For some types of problems, you need to use the process for coverage decisions and appeals. For other types of problems, you need to use the process for making complaints. Both of these processes have been approved by Medicare. To ensure fairness and prompt handling of your problems, each process has a set of rules, procedures, and deadlines that must be followed by us and by you. Which one do you use? That depends on the type of problem you are having. The guide in Section 3 will help you identify the right process to use. Section 1.2 What about the legal terms? There are technical legal terms for some of the rules, procedures, and types of deadlines explained in this chapter. Many of these terms are unfamiliar to most people and can be hard to understand. To keep things simple, this chapter explains the legal rules and procedures using simpler words in place of certain legal terms. For example, this chapter generally says making a complaint rather than filing a grievance, coverage decision rather than organization determination, or coverage determination, and Independent Review Organization instead of Independent Review Entity. It also uses abbreviations as little as possible. However, it can be helpful and sometimes quite important for you to know the correct legal terms for the situation you are in. Knowing which terms to use will help you communicate more clearly and accurately when you are dealing with your problem and get the right help or information for your situation. To help you know which terms to use, we include legal terms when we give the details for handling specific types of situations.

191 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 173 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) SECTION 2 Section 2.1 You can get help from government organizations that are not connected with us Where to get more information and personalized assistance Sometimes it can be confusing to start or follow through the process for dealing with a problem. This can be especially true if you do not feel well or have limited energy. Other times, you may not have the knowledge you need to take the next step. Get help from an independent government organization We are always available to help you. But in some situations you may also want help or guidance from someone who is not connected with us. You can always contact your State Health Insurance Assistance Program (SHIP). This government program has trained counselors in every state. The program is not connected with us or with any insurance company or health plan. The counselors at this program can help you understand which process you should use to handle a problem you are having. They can also answer your questions, give you more information, and offer guidance on what to do. The services of SHIP counselors are free. You will find phone numbers in Chapter 2, Section 3 of this booklet. You can also get help and information from Medicare For more information and help in handling a problem, you can also contact Medicare. Here are two ways to get information directly from Medicare: You can call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call You can visit the Medicare website ( SECTION 3 Section 3.1 To deal with your problem, which process should you use? Should you use the process for coverage decisions and appeals? Or should you use the process for making complaints? If you have a problem or concern, you only need to read the parts of this chapter that apply to your situation. The guide that follows will help.

192 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 174 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) To figure out which part of this chapter will help with your specific problem or concern, START HERE Is your problem or concern about your benefits or coverage? (This includes problems about whether particular medical care or prescription drugs are covered or not, the way in which they are covered, and problems related to payment for medical care or prescription drugs.) Yes. My problem is about benefits or coverage. Go on to the next section of this chapter, Section 4, A guide to the basics of coverage decisions and appeals. No. My problem is not about benefits or coverage. Skip ahead to Section 10 at the end of this chapter: How to make a complaint about quality of care, waiting times, customer service or other concerns. COVERAGE DECISIONS AND APPEALS SECTION 4 Section 4.1 A guide to the basics of coverage decisions and appeals Asking for coverage decisions and making appeals: the big picture The process for coverage decisions and appeals deals with problems related to your benefits and coverage for medical services and prescription drugs, including problems related to payment. This is the process you use for issues such as whether something is covered or not and the way in which something is covered. Asking for coverage decisions A coverage decision is a decision we make about your benefits and coverage or about the amount we will pay for your medical services or drugs. For example, your plan network doctor makes a (favorable) coverage decision for you whenever you receive medical care from him or her or if your network doctor refers you to a medical specialist. You or your doctor can also contact us and ask for a coverage decision if your doctor is unsure whether we will cover a particular

193 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 175 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) medical service or refuses to provide medical care you think that you need. In other words, if you want to know if we will cover a medical service before you receive it, you can ask us to make a coverage decision for you. We are making a coverage decision for you whenever we decide what is covered for you and how much we pay. In some cases we might decide a service or drug is not covered or is no longer covered by Medicare for you. If you disagree with this coverage decision, you can make an appeal. Making an appeal If we make a coverage decision and you are not satisfied with this decision, you can appeal the decision. An appeal is a formal way of asking us to review and change a coverage decision we have made. When you appeal a decision for the first time, this is called a Level 1 Appeal. In this appeal, we review the coverage decision we made to check to see if we were following all of the rules properly. Your appeal is handled by different reviewers than those who made the original unfavorable decision. When we have completed the review we give you our decision. Under certain circumstances, which we discuss later, you can request an expedited or fast coverage decision or fast appeal of a coverage decision. If we say no to all or part of your Level 1 Appeal, you can go on to a Level 2 Appeal. The Level 2 Appeal is conducted by an independent organization that is not connected to us. (In some situations, your case will be automatically sent to the independent organization for a Level 2 Appeal. If this happens, we will let you know. In other situations, you will need to ask for a Level 2 Appeal.) If you are not satisfied with the decision at the Level 2 Appeal, you may be able to continue through additional levels of appeal. Section 4.2 How to get help when you are asking for a coverage decision or making an appeal Would you like some help? Here are resources you may wish to use if you decide to ask for any kind of coverage decision or appeal a decision: You can call us at Member Services (phone numbers are printed on the back cover of this booklet). To get free help from an independent organization that is not connected with our plan, contact your State Health Insurance Assistance Program (see Section 2 of this chapter). Your doctor can make a request for you. o For medical care, your doctor can request a coverage decision or a Level 1 Appeal on your behalf. If your appeal is denied at Level 1, it will be automatically

194 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 176 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) forwarded to Level 2. To request any appeal after Level 2, your doctor must be appointed as your representative. o For Part D prescription drugs, your doctor or other prescriber can request a coverage decision or a Level 1 or Level 2 Appeal on your behalf. To request any appeal after Level 2, your doctor or other prescriber must be appointed as your representative. You can ask someone to act on your behalf. If you want to, you can name another person to act for you as your representative to ask for a coverage decision or make an appeal. o There may be someone who is already legally authorized to act as your representative under State law. o If you want a friend, relative, your doctor or other provider, or other person to be your representative, call Member Services (phone numbers are printed on the back cover of this booklet) and ask for the Appointment of Representative form. (The form is also available on Medicare s website at or on our website at The form gives that person permission to act on your behalf. It must be signed by you and by the person who you would like to act on your behalf. You must give us a copy of the signed form. You also have the right to hire a lawyer to act for you. You may contact your own lawyer, or get the name of a lawyer from your local bar association or other referral service. There are also groups that will give you free legal services if you qualify. However, you are not required to hire a lawyer to ask for any kind of coverage decision or appeal a decision. Section 4.3 Which section of this chapter gives the details for your situation? There are four different types of situations that involve coverage decisions and appeals. Since each situation has different rules and deadlines, we give the details for each one in a separate section: Section 5 of this chapter: Your medical care: How to ask for a coverage decision or make an appeal Section 6 of this chapter: Your Part D prescription drugs: How to ask for a coverage decision or make an appeal Section 7 of this chapter: How to ask us to cover a longer inpatient hospital stay if you think the doctor is discharging you too soon

195 question mark. Have 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 177 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 8 of this chapter: How to ask us to keep covering certain medical services if you think your coverage is ending too soon (Applies to these services only: home health care, skilled nursing facility care, and Comprehensive Outpatient Rehabilitation Facility (CORF) services) If you are not sure which section you should be using, please call Member Services (phone numbers are printed on the back cover of this booklet). You can also get help or information from government organizations such as your SHIP (Chapter 2, Section 3, of this booklet has the phone numbers for this program). SECTION 5 Your medical care: How to ask for a coverage decision or make an appeal you read Section 4 of this chapter (A guide to the basics of coverage decisions and appeals)? If not, you may want to read it before you start this section. Section 5.1 This section tells what to do if you have problems getting coverage for medical care or if you want us to pay you back for our share of the cost of your care This section is about your benefits for medical care and services. These benefits are described in Chapter 4 of this booklet: Medical Benefits Chart (what is covered and what you pay). To keep things simple, we generally refer to medical care coverage or medical care in the rest of this section, instead of repeating medical care or treatment or services every time. This section tells what you can do if you are in any of the five following situations: 1. You are not getting certain medical care you want, and you believe that this care is covered by our plan. 2. Our plan will not approve the medical care your doctor or other medical provider wants to give you, and you believe that this care is covered by the plan. 3. You have received medical care or services that you believe should be covered by the plan, but we have said we will not pay for this care. 4. You have received and paid for medical care or services that you believe should be covered by the plan, and you want to ask our plan to reimburse you for this care. 5. You are being told that coverage for certain medical care you have been getting that we previously approved will be reduced or stopped, and you believe that reducing or stopping this care could harm your health. NOTE: If the coverage that will be stopped is for hospital care, home health care, skilled nursing facility care, or Comprehensive Outpatient

196 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 178 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Rehabilitation Facility (CORF) services, you need to read a separate section of this chapter because special rules apply to these types of care. Here is what to read in those situations: o Chapter 9, Section 7: How to ask us to cover a longer inpatient hospital stay if you think the doctor is discharging you too soon. o Chapter 9, Section 8: How to ask us to keep covering certain medical services if you think your coverage is ending too soon. This section is about three services only: home health care, skilled nursing facility care, and CORF services. For all other situations that involve being told that medical care you have been getting will be stopped, use this section (Section 5) as your guide for what to do. Which of these situations are you in? If you are in this situation: Do you want to find out whether we will cover the medical care or services you want? Have we already told you that we will not cover or pay for a medical service in the way that you want it to be covered or paid for? Do you want to ask us to pay you back for medical care or services you have already received and paid for? This is what you can do: You can ask us to make a coverage decision for you. Go to the next section of this chapter, Section 5.2. You can make an appeal. (This means you are asking us to reconsider.) Skip ahead to Section 5.3 of this chapter. You can send us the bill. Skip ahead to Section 5.5 of this chapter. Section 5.2 Step-by-step: How to ask for a coverage decision (how to ask our plan to authorize or provide the medical care coverage you want) Legal Terms When a coverage decision involves your medical care, it is called an organization determination.

197 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 179 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 1: You ask our plan to make a coverage decision on the medical care you are requesting. If your health requires a quick response, you should ask us to make a fast coverage decision. Legal Terms A fast coverage decision is called an expedited determination. How to request coverage for the medical care you want Start by calling, writing, or faxing our plan to make your request for us to authorize or provide coverage for the medical care you want. You, your doctor, or your representative can do this. For the details on how to contact us, go to Chapter 2, Section 1 and look for the section called, How to contact us when you are asking for a coverage decision about your medical care or Part D prescription drugs. Generally we use the standard deadlines for giving you our decision When we give you our decision, we will use the standard deadlines unless we have agreed to use the fast deadlines. A standard coverage decision means we will give you an answer within 14 calendar days after we receive your request. However, we can take up to 14 more calendar days if you ask for more time, or if we need information (such as medical records from out-of-network providers) that may benefit you. If we decide to take extra days to make the decision, we will tell you in writing. If you believe we should not take extra days, you can file a fast complaint about our decision to take extra days. When you file a fast complaint, we will give you an answer to your complaint within 24 hours. (The process for making a complaint is different from the process for coverage decisions and appeals. For more information about the process for making complaints, including fast complaints, see Section 10 of this chapter.) If your health requires it, ask us to give you a fast coverage decision A fast coverage decision means we will answer within 72 hours. o However, we can take up to 14 more calendar days if we find that some information that may benefit you is missing (such as medical records from out-of-network providers), or if you need time to get information to us for the review. If we decide to take extra days, we will tell you in writing.

198 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 180 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o If you believe we should not take extra days, you can file a fast complaint about our decision to take extra days. (For more information about the process for making complaints, including fast complaints, see Section 10 of this chapter.) We will call you as soon as we make the decision. To get a fast coverage decision, you must meet two requirements: o You can get a fast coverage decision only if you are asking for coverage for medical care you have not yet received. (You cannot get a fast coverage decision if your request is about payment for medical care you have already received.) o You can get a fast coverage decision only if using the standard deadlines could cause serious harm to your health or hurt your ability to function. If your doctor tells us that your health requires a fast coverage decision, we will automatically agree to give you a fast coverage decision. If you ask for a fast coverage decision on your own, without your doctor s support, we will decide whether your health requires that we give you a fast coverage decision. o If we decide that your medical condition does not meet the requirements for a fast coverage decision, we will send you a letter that says so (and we will use the standard deadlines instead). o This letter will tell you that if your doctor asks for the fast coverage decision, we will automatically give a fast coverage decision. o The letter will also tell how you can file a fast complaint about our decision to give you a standard coverage decision instead of the fast coverage decision you requested. (For more information about the process for making complaints, including fast complaints, see Section 10 of this chapter.) Step 2: We consider your request for medical care coverage and give you our answer. Deadlines for a fast coverage decision Generally, for a fast coverage decision, we will give you our answer within 72 hours. o As explained above, we can take up to 14 more calendar days under certain circumstances. If we decide to take extra days to make the coverage decision, we will tell you in writing. o If you believe we should not take extra days, you can file a fast complaint about our decision to take extra days. When you file a fast complaint, we will give you an answer to your complaint within 24 hours. (For more information about the process for making complaints, including fast complaints, see Section 10 of this chapter.)

199 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 181 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o If we do not give you our answer within 72 hours (or if there is an extended time period, by the end of that period), you have the right to appeal. Section 5.3 below tells how to make an appeal. If our answer is yes to part or all of what you requested, we must authorize or provide the medical care coverage we have agreed to provide within 72 hours after we received your request. If we extended the time needed to make our coverage decision, we will authorize or provide the coverage by the end of that extended period. If our answer is no to part or all of what you requested, we will send you a detailed written explanation as to why we said no. Deadlines for a standard coverage decision Generally, for a standard coverage decision, we will give you our answer within 14 calendar days of receiving your request. o We can take up to 14 more calendar days ( an extended time period ) under certain circumstances. If we decide to take extra days to make the coverage decision, we will tell you in writing. o If you believe we should not take extra days, you can file a fast complaint about our decision to take extra days. When you file a fast complaint, we will give you an answer to your complaint within 24 hours. (For more information about the process for making complaints, including fast complaints, see Section 10 of this chapter.) o If we do not give you our answer within 14 calendar days (or if there is an extended time period, by the end of that period), you have the right to appeal. Section 5.3 below tells how to make an appeal. If our answer is yes to part or all of what you requested, we must authorize or provide the coverage we have agreed to provide within 14 calendar days after we received your request. If we extended the time needed to make our coverage decision, we will authorize or provide the coverage by the end of that extended period. If our answer is no to part or all of what you requested, we will send you a written statement that explains why we said no. Step 3: If we say no to your request for coverage for medical care, you decide if you want to make an appeal. If we say no, you have the right to ask us to reconsider and perhaps change this decision by making an appeal. Making an appeal means making another try to get the medical care coverage you want. If you decide to make an appeal, it means you are going on to Level 1 of the appeals process (see Section 5.3 below).

200 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 182 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 5.3 Step-by-step: How to make a Level 1 Appeal (how to ask for a review of a medical care coverage decision made by our plan) Legal Terms An appeal to the plan about a medical care coverage decision is called a plan reconsideration. Step 1: You contact us and make your appeal. If your health requires a quick response, you must ask for a fast appeal. What to do To start an appeal you, your doctor, or your representative, must contact us. For details on how to reach us for any purpose related to your appeal, go to Chapter 2, Section 1 and look for section called, How to contact us when you are making an appeal about your medical care or Part D prescription drugs. If you are asking for a standard appeal, make your standard appeal in writing by submitting a request. o If you have someone appealing our decision for you other than your doctor, your appeal must include an Appointment of Representative form authorizing this person to represent you. (To get the form, call Member Services (phone numbers are printed on the back cover of this booklet) and ask for the Appointment of Representative form. It is also available on Medicare s website at or on our website at CoverageDetermination. While we can accept an appeal request without the form, we cannot begin or complete our review until we receive it. If we do not receive the form within 44 calendar days after receiving your appeal request (our deadline for making a decision on your appeal), your appeal request will be dismissed. If this happens, we will send you a written notice explaining your right to ask the Independent Review Organization to review our decision to dismiss your appeal. If you are asking for a fast appeal, make your appeal in writing or call us at the phone number shown in Chapter 2, Section 1 (How to contact us when you are making an appeal about your medical care or Part D prescription drugs). You must make your appeal request within 60 calendar days from the date on the written notice we sent to tell you our answer to your request for a coverage decision. If you miss this deadline and have a good reason for missing it, we may give you more time to make your appeal. Examples of good cause for missing the

201 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 183 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) deadline may include if you had a serious illness that prevented you from contacting us or if we provided you with incorrect or incomplete information about the deadline for requesting an appeal. You can ask for a copy of the information regarding your medical decision and add more information to support your appeal. o You have the right to ask us for a copy of the information regarding your appeal. We are allowed to charge a fee for copying and sending this information to you. o If you wish, you and your doctor may give us additional information to support your appeal. Legal Terms A fast appeal is also called an expedited reconsideration. If your health requires it, ask for a fast appeal (you can make a request by calling us) If you are appealing a decision we made about coverage for care you have not yet received, you and/or your doctor will need to decide if you need a fast appeal. The requirements and procedures for getting a fast appeal are the same as those for getting a fast coverage decision. To ask for a fast appeal, follow the instructions for asking for a fast coverage decision. (These instructions are given earlier in this section.) If your doctor tells us that your health requires a fast appeal, we will give you a fast appeal. Step 2: We consider your appeal and we give you our answer. When our plan is reviewing your appeal, we take another careful look at all of the information about your request for coverage of medical care. We check to see if we were following all the rules when we said no to your request. We will gather more information if we need it. We may contact you or your doctor to get more information. Deadlines for a fast appeal When we are using the fast deadlines, we must give you our answer within 72 hours after we receive your appeal. We will give you our answer sooner if your health requires us to do so. o However, if you ask for more time, or if we need to gather more information that may benefit you, we can take up to 14 more calendar days. If we decide to take extra days to make the decision, we will tell you in writing.

202 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 184 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o If we do not give you an answer within 72 hours (or by the end of the extended time period if we took extra days), we are required to automatically send your request on to Level 2 of the appeals process, where it will be reviewed by an independent organization. Later in this section, we tell you about this organization and explain what happens at Level 2 of the appeals process. If our answer is yes to part or all of what you requested, we must authorize or provide the coverage we have agreed to provide within 72 hours after we receive your appeal. If our answer is no to part or all of what you requested, we will send you a written denial notice informing you that we have automatically sent your appeal to the Independent Review Organization for a Level 2 Appeal. Deadlines for a standard appeal If we are using the standard deadlines, we must give you our answer within 30 calendar days after we receive your appeal if your appeal is about coverage for services you have not yet received. We will give you our decision sooner if your health condition requires us to. o However, if you ask for more time, or if we need to gather more information that may benefit you, we can take up to 14 more calendar days. If we decide to take extra days to make the decision, we will tell you in writing. o If you believe we should not take extra days, you can file a fast complaint about our decision to take extra days. When you file a fast complaint, we will give you an answer to your complaint within 24 hours. (For more information about the process for making complaints, including fast complaints, see Section 10 of this chapter.) o If we do not give you an answer by the deadline above (or by the end of the extended time period if we took extra days), we are required to send your request on to Level 2 of the appeals process, where it will be reviewed by an independent outside organization. Later in this section, we talk about this review organization and explain what happens at Level 2 of the appeals process. If our answer is yes to part or all of what you requested, we must authorize or provide the coverage we have agreed to provide within 30 calendar days after we receive your appeal. If our answer is no to part or all of what you requested, we will send you a written denial notice informing you that we have automatically sent your appeal to the Independent Review Organization for a Level 2 Appeal. Step 3: If our plan says no to part or all of your appeal, your case will automatically be sent on to the next level of the appeals process. To make sure we were following all the rules when we said no to your appeal, we are required to send your appeal to the Independent Review Organization. When

203 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 185 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) we do this, it means that your appeal is going on to the next level of the appeals process, which is Level 2. Section 5.4 Step-by-step: How a Level 2 Appeal is done If we say no to your Level 1 Appeal, your case will automatically be sent on to the next level of the appeals process. During the Level 2 Appeal, the Independent Review Organization reviews our decision for your first appeal. This organization decides whether the decision we made should be changed. Legal Terms The formal name for the Independent Review Organization is the Independent Review Entity. It is sometimes called the IRE. Step 1: The Independent Review Organization reviews your appeal. The Independent Review Organization is an independent organization that is hired by Medicare. This organization is not connected with us and it is not a government agency. This organization is a company chosen by Medicare to handle the job of being the Independent Review Organization. Medicare oversees its work. We will send the information about your appeal to this organization. This information is called your case file. You have the right to ask us for a copy of your case file. We are allowed to charge you a fee for copying and sending this information to you. You have a right to give the Independent Review Organization additional information to support your appeal. Reviewers at the Independent Review Organization will take a careful look at all of the information related to your appeal. If you had a fast appeal at Level 1, you will also have a fast appeal at Level 2 If you had a fast appeal to our plan at Level 1, you will automatically receive a fast appeal at Level 2. The review organization must give you an answer to your Level 2 Appeal within 72 hours of when it receives your appeal. However, if the Independent Review Organization needs to gather more information that may benefit you, it can take up to 14 more calendar days.

204 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 186 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) If you had a standard appeal at Level 1, you will also have a standard appeal at Level 2 If you had a standard appeal to our plan at Level 1, you will automatically receive a standard appeal at Level 2. The review organization must give you an answer to your Level 2 Appeal within 30 calendar days of when it receives your appeal. However, if the Independent Review Organization needs to gather more information that may benefit you, it can take up to 14 more calendar days. Step 2: The Independent Review Organization gives you their answer. The Independent Review Organization will tell you its decision in writing and explain the reasons for it. If the review organization says yes to part or all of what you requested, we must authorize the medical care coverage within 72 hours or provide the service within 14 calendar days after we receive the decision from the review organization for standard requests or within 72 hours from the date the plan receives the decision from the review organization for expedited requests. If this organization says no to part or all of your appeal, it means they agree with us that your request (or part of your request) for coverage for medical care should not be approved. (This is called upholding the decision. It is also called turning down your appeal. ) o If the Independent Review Organization upholds the decision you have the right to a Level 3 appeal. However, to make another appeal at Level 3, the dollar value of the medical care coverage you are requesting must meet a certain minimum. If the dollar value of the coverage you are requesting is too low, you cannot make another appeal, which means that the decision at Level 2 is final. The written notice you get from the Independent Review Organization will tell you how to find out the dollar amount to continue the appeals process. Step 3: If your case meets the requirements, you choose whether you want to take your appeal further. There are three additional levels in the appeals process after Level 2 (for a total of five levels of appeal). If your Level 2 Appeal is turned down and you meet the requirements to continue with the appeals process, you must decide whether you want to go on to Level 3 and make a third appeal. The details on how to do this are in the written notice you got after your Level 2 Appeal. The Level 3 Appeal is handled by an administrative law judge. Section 9 in this chapter tells more about Levels 3, 4, and 5 of the appeals process.

205 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 187 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 5.5 What if you are asking us to pay you for our share of a bill you have received for medical care? If you want to ask us for payment for medical care, start by reading Chapter 7 of this booklet: Asking us to pay our share of a bill you have received for covered medical services or drugs. Chapter 7 describes the situations in which you may need to ask for reimbursement or to pay a bill you have received from a provider. It also tells how to send us the paperwork that asks us for payment. Asking for reimbursement is asking for a coverage decision from us If you send us the paperwork that asks for reimbursement, you are asking us to make a coverage decision (for more information about coverage decisions, see Section 4.1 of this chapter). To make this coverage decision, we will check to see if the medical care you paid for is a covered service (see Chapter 4: Medical Benefits Chart (what is covered and what you pay)). We will also check to see if you followed all the rules for using your coverage for medical care (these rules are given in Chapter 3 of this booklet: Using the plan s coverage for your medical services). We will say yes or no to your request If the medical care you paid for is covered and you followed all the rules, we will send you the payment for our share of the cost of your medical care within 60 calendar days after we receive your request. Or, if you have not paid for the services, we will send the payment directly to the provider. When we send the payment, it is the same as saying yes to your request for a coverage decision.) If the medical care is not covered, or you did not follow all the rules, we will not send payment. Instead, we will send you a letter that says we will not pay for the services and the reasons why in detail. (When we turn down your request for payment, it is the same as saying no to your request for a coverage decision.) What if you ask for payment and we say that we will not pay? If you do not agree with our decision to turn you down, you can make an appeal. If you make an appeal, it means you are asking us to change the coverage decision we made when we turned down your request for payment. To make this appeal, follow the process for appeals that we describe in part 5.3 of this section. Go to this part for step-by-step instructions. When you are following these instructions, please note: If you make an appeal for reimbursement, we must give you our answer within 60 calendar days after we receive your appeal. (If you are asking us to pay you back for

206 question mark. Have 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 188 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) medical care you have already received and paid for yourself, you are not allowed to ask for a fast appeal.) If the Independent Review Organization reverses our decision to deny payment, we must send the payment you have requested to you or to the provider within 30 calendar days. If the answer to your appeal is yes at any stage of the appeals process after Level 2, we must send the payment you requested to you or to the provider within 60 calendar days. SECTION 6 Your Part D prescription drugs: How to ask for a coverage decision or make an appeal you read Section 4 of this chapter (A guide to the basics of coverage decisions and appeals)? If not, you may want to read it before you start this section. Section 6.1 This section tells you what to do if you have problems getting a Part D drug or you want us to pay you back for a Part D drug Your benefits as a member of our plan include coverage for many prescription drugs. Please refer to our plan s List of Covered Drugs (Formulary). To be covered, the drug must be used for a medically accepted indication. (A medically accepted indication is a use of the drug that is either approved by the Food and Drug Administration or supported by certain reference books. See Chapter 5, Section 3 for more information about a medically accepted indication.) This section is about your Part D drugs only. To keep things simple, we generally say drug in the rest of this section, instead of repeating covered outpatient prescription drug or Part D drug every time. For details about what we mean by Part D drugs, the List of Covered Drugs (Formulary), rules and restrictions on coverage, and cost information, see Chapter 5 (Using our plan s coverage for your Part D prescription drugs) and Chapter 6 (What you pay for your Part D prescription drugs). Part D coverage decisions and appeals As discussed in Section 4 of this chapter, a coverage decision is a decision we make about your benefits and coverage or about the amount we will pay for your drugs. Legal Terms An initial coverage decision about your Part D drugs is called a coverage determination.

207 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 189 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Here are examples of coverage decisions you ask us to make about your Part D drugs: You ask us to make an exception, including: o Asking us to cover a Part D drug that is not on the plan s List of Covered Drugs (Formulary) o Asking us to waive a restriction on the plan s coverage for a drug (such as limits on the amount of the drug you can get) o Asking to pay a lower cost-sharing amount for a covered drug on a higher costsharing tier You ask us whether a drug is covered for you and whether you satisfy any applicable coverage rules. (For example, when your drug is on the plan s List of Covered Drugs (Formulary) but we require you to get approval from us before we will cover it for you.) o Please note: If your pharmacy tells you that your prescription cannot be filled as written, you will get a written notice explaining how to contact us to ask for a coverage decision. You ask us to pay for a prescription drug you already bought. This is a request for a coverage decision about payment. If you disagree with a coverage decision we have made, you can appeal our decision. This section tells you both how to ask for coverage decisions and how to request an appeal. Use the chart below to help you determine which part has information for your situation:

208 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 190 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Which of these situations are you in? Do you need a drug that is not on our Drug List or need us to waive a rule or restriction on a drug we cover? Do you want us to cover a drug on our Drug List and you believe you meet any plan rules or restrictions (such as getting approval in advance) for the drug you need? Do you want to ask us to pay you back for a drug you have already received and paid for? Have we already told you that we will not cover or pay for a drug in the way that you want it to be covered or paid for? You can ask us to make an exception. (This is a type of coverage decision.) Start with Section 6.2 of this chapter. You can ask us for a coverage decision. Skip ahead to Section 6.4 of this chapter. You can ask us to pay you back. (This is a type of coverage decision.) Skip ahead to Section 6.4 of this chapter. You can make an appeal. (This means you are asking us to reconsider.) Skip ahead to Section 6.5 of this chapter. Section 6.2 What is an exception? If a drug is not covered in the way you would like it to be covered, you can ask us to make an exception. An exception is a type of coverage decision. Similar to other types of coverage decisions, if we turn down your request for an exception, you can appeal our decision. When you ask for an exception, your doctor or other prescriber will need to explain the medical reasons why you need the exception approved. We will then consider your request. Here are three examples of exceptions that you or your doctor or other prescriber can ask us to make: 1. Covering a Part D drug for you that is not on our List of Covered Drugs (Formulary). (We call it the Drug List for short.) Legal Terms Asking for coverage of a drug that is not on the Drug List is sometimes called asking for a formulary exception. If we agree to make an exception and cover a drug that is not on the Drug List, you will need to pay the cost-sharing amount that applies to drugs in Tier 5. You cannot ask for an exception to the copayment or coinsurance amount we require you to pay for the drug.

209 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 191 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) 2. Removing a restriction on our coverage for a covered drug. There are extra rules or restrictions that apply to certain drugs on our List of Covered Drugs (Formulary) (for more information, go to Chapter 5 and look for Section 4). Legal Terms Asking for removal of a restriction on coverage for a drug is sometimes called asking for a formulary exception. The extra rules and restrictions on coverage for certain drugs include: o Being required to use the generic version of a drug instead of the brand name drug. o Getting plan approval in advance before we will agree to cover the drug for you. (This is sometimes called prior authorization. ) o Being required to try a different drug first before we will agree to cover the drug you are asking for. (This is sometimes called step therapy. ) o Quantity limits. For some drugs, there are restrictions on the amount of the drug you can have. If we agree to make an exception and waive a restriction for you, you can ask for an exception to the copayment or coinsurance amount we require you to pay for the drug. 3. Changing coverage of a drug to a lower cost-sharing tier. Every drug on our Drug List is in one of five cost-sharing tiers. In general, the lower the cost-sharing tier number, the less you will pay as your share of the cost of the drug. Legal Terms Asking to pay a lower price for a covered non-preferred drug is sometimes called asking for a tiering exception. If your drug is in Tier 4 you can ask us to cover it at the cost-sharing amount that applies to drugs in Tier 3. This would lower your share of the cost for the drug. You cannot ask us to change the cost-sharing tier for any drug in Tier 5. Section 6.3 Important things to know about asking for exceptions Your doctor must tell us the medical reasons Your doctor or other prescriber must give us a statement that explains the medical reasons for requesting an exception. For a faster decision, include this medical information from your doctor or other prescriber when you ask for the exception.

210 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 192 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Typically, our Drug List includes more than one drug for treating a particular condition. These different possibilities are called alternative drugs. If an alternative drug would be just as effective as the drug you are requesting and would not cause more side effects or other health problems, we will generally not approve your request for an exception. If you ask us for a tiering exception, we will generally not approve your request for an exception unless all the alternative drugs in the lower cost-sharing tier(s) will not work as well for you. We can say yes or no to your request If we approve your request for an exception, our approval usually is valid until the end of the plan year. This is true as long as your doctor continues to prescribe the drug for you and that drug continues to be safe and effective for treating your condition. If we say no to your request for an exception, you can ask for a review of our decision by making an appeal. Section 6.5 tells how to make an appeal if we say no. The next section tells you how to ask for a coverage decision, including an exception. Section 6.4 Step-by-step: How to ask for a coverage decision, including an exception Step 1: You ask us to make a coverage decision about the drug(s) or payment you need. If your health requires a quick response, you must ask us to make a fast coverage decision. You cannot ask for a fast coverage decision if you are asking us to pay you back for a drug you already bought. What to do Request the type of coverage decision you want. Start by calling, writing, or faxing us to make your request. You, your representative, or your doctor (or other prescriber) can do this. You can also access the coverage decision process through our website. For the details, go to Chapter 2, Section 1 and look for the section called, How to contact us when you are asking for a coverage decision about your medical care or Part D prescription drugs. Or if you are asking us to pay you back for a drug, go to the section called, Where to send a request that asks us to pay for our share of the cost for medical care or a drug you have received. You or your doctor or someone else who is acting on your behalf can ask for a coverage decision. Section 4 of this chapter tells how you can give written permission to someone else to act as your representative. You can also have a lawyer act on your behalf. If you want to ask us to pay you back for a drug, start by reading Chapter 7 of this booklet: Asking us to pay our share of a bill you have received for covered medical services or drugs. Chapter 7 describes the situations in which you may need to ask for reimbursement. It also tells how to send us the paperwork that asks us to pay you back for our share of the cost of a drug you have paid for.

211 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 193 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) If you are requesting an exception, provide the supporting statement. Your doctor or other prescriber must give us the medical reasons for the drug exception you are requesting. (We call this the supporting statement. ) Your doctor or other prescriber can fax or mail the statement to us. Or your doctor or other prescriber can tell us on the phone and follow up by faxing or mailing a written statement if necessary. See Sections 6.2 and 6.3 for more information about exception requests. We must accept any written request, including a request submitted on the CMS Model Coverage Determination Request Form, which is available on our website. Members can submit coverage determination requests electronically through this link on the website ( CoverageRedeterminationRequestForm). Legal Terms A fast coverage decision is called an expedited coverage determination. If your health requires it, ask us to give you a fast coverage decision When we give you our decision, we will use the standard deadlines unless we have agreed to use the fast deadlines. A standard coverage decision means we will give you an answer within 72 hours after we receive your doctor s statement. A fast coverage decision means we will answer within 24 hours after we receive your doctor s statement. To get a fast coverage decision, you must meet two requirements: o You can get a fast coverage decision only if you are asking for a drug you have not yet received. (You cannot get a fast coverage decision if you are asking us to pay you back for a drug you have already bought.) o You can get a fast coverage decision only if using the standard deadlines could cause serious harm to your health or hurt your ability to function. If your doctor or other prescriber tells us that your health requires a fast coverage decision, we will automatically agree to give you a fast coverage decision. If you ask for a fast coverage decision on your own (without your doctor s or other prescriber s support), we will decide whether your health requires that we give you a fast coverage decision. o If we decide that your medical condition does not meet the requirements for a fast coverage decision, we will send you a letter that says so (and we will use the standard deadlines instead).

212 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 194 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o This letter will tell you that if your doctor or other prescriber asks for the fast coverage decision, we will automatically give a fast coverage decision. o The letter will also tell how you can file a complaint about our decision to give you a standard coverage decision instead of the fast coverage decision you requested. It tells how to file a fast complaint, which means you would get our answer to your complaint within 24 hours of receiving the complaint. (The process for making a complaint is different from the process for coverage decisions and appeals. For more information about the process for making complaints, see Section 10 of this chapter.) Step 2: We consider your request and we give you our answer. Deadlines for a fast coverage decision If we are using the fast deadlines, we must give you our answer within 24 hours. o Generally, this means within 24 hours after we receive your request. If you are requesting an exception, we will give you our answer within 24 hours after we receive your doctor s statement supporting your request. We will give you our answer sooner if your health requires us to. o If we do not meet this deadline, we are required to send your request on to Level 2 of the appeals process, where it will be reviewed by an independent outside organization. Later in this section, we talk about this review organization and explain what happens at Appeal Level 2. If our answer is yes to part or all of what you requested, we must provide the coverage we have agreed to provide within 24 hours after we receive your request or doctor s statement supporting your request. If our answer is no to part or all of what you requested, we will send you a written statement that explains why we said no. We will also tell you how to appeal. Deadlines for a standard coverage decision about a drug you have not yet received If we are using the standard deadlines, we must give you our answer within 72 hours. o Generally, this means within 72 hours after we receive your request. If you are requesting an exception, we will give you our answer within 72 hours after we receive your doctor s statement supporting your request. We will give you our answer sooner if your health requires us to. o If we do not meet this deadline, we are required to send your request on to Level 2 of the appeals process, where it will be reviewed by an independent organization. Later in this section, we talk about this review organization and explain what happens at Appeal Level 2. If our answer is yes to part or all of what you requested

213 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 195 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o If we approve your request for coverage, we must provide the coverage we have agreed to provide within 72 hours after we receive your request or doctor s statement supporting your request. If our answer is no to part or all of what you requested, we will send you a written statement that explains why we said no. We will also tell you how to appeal. Deadlines for a standard coverage decision about payment for a drug you have already bought We must give you our answer within 14 calendar days after we receive your request. o If we do not meet this deadline, we are required to send your request on to Level 2 of the appeals process, where it will be reviewed by an independent organization. Later in this section, we talk about this review organization and explain what happens at Appeal Level 2. If our answer is yes to part or all of what you requested, we are also required to make payment to you within 14 calendar days after we receive your request. If our answer is no to part or all of what you requested, we will send you a written statement that explains why we said no. We will also tell you how to appeal. Step 3: If we say no to your coverage request, you decide if you want to make an appeal. If we say no, you have the right to request an appeal. Requesting an appeal means asking us to reconsider and possibly change the decision we made. Section 6.5 Step-by-step: How to make a Level 1 Appeal (how to ask for a review of a coverage decision made by our plan) Legal Terms An appeal to the plan about a Part D drug coverage decision is called a plan redetermination. Step 1: You contact us and make your Level 1 Appeal. If your health requires a quick response, you must ask for a fast appeal. What to do To start your appeal, you (or your representative or your doctor or other prescriber) must contact us.

214 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 196 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o For details on how to reach us by phone, fax, or mail, or on our website, for any purpose related to your appeal, go to Chapter 2, Section 1, and look for the section called, How to contact us when you are making an appeal about your medical care or Part D prescription drugs. If you are asking for a standard appeal, make your appeal by submitting a written request. If you are asking for a fast appeal, you may make your appeal in writing or you may call us at the phone number shown in Chapter 2, Section 1 (How to contact us when you are making an appeal about your medical care or Part D prescription drugs). We must accept any written request, including a request submitted on the CMS Model Coverage Determination Request Form, which is available on our website. Members can submit appeal requests electronically through this link on the website ( RequestForm). You must make your appeal request within 60 calendar days from the date on the written notice we sent to tell you our answer to your request for a coverage decision. If you miss this deadline and have a good reason for missing it, we may give you more time to make your appeal. Examples of good cause for missing the deadline may include if you had a serious illness that prevented you from contacting us or if we provided you with incorrect or incomplete information about the deadline for requesting an appeal. You can ask for a copy of the information in your appeal and add more information. o You have the right to ask us for a copy of the information regarding your appeal. We are allowed to charge a fee for copying and sending this information to you. o If you wish, you and your doctor or other prescriber may give us additional information to support your appeal. Legal Terms A fast appeal is also called an expedited redetermination. If your health requires it, ask for a fast appeal If you are appealing a decision we made about a drug you have not yet received, you and your doctor or other prescriber will need to decide if you need a fast appeal. The requirements for getting a fast appeal are the same as those for getting a fast coverage decision in Section 6.4 of this chapter.

215 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 197 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 2: We consider your appeal and we give you our answer. When we are reviewing your appeal, we take another careful look at all of the information about your coverage request. We check to see if we were following all the rules when we said no to your request. We may contact you or your doctor or other prescriber to get more information. Deadlines for a fast appeal If we are using the fast deadlines, we must give you our answer within 72 hours after we receive your appeal. We will give you our answer sooner if your health requires it. o If we do not give you an answer within 72 hours, we are required to send your request on to Level 2 of the appeals process, where it will be reviewed by an Independent Review Organization. Later in this section, we talk about this review organization and explain what happens at Level 2 of the appeals process. If our answer is yes to part or all of what you requested, we must provide the coverage we have agreed to provide within 72 hours after we receive your appeal. If our answer is no to part or all of what you requested, we will send you a written statement that explains why we said no and how to appeal our decision. Deadlines for a standard appeal If we are using the standard deadlines, we must give you our answer within 7 calendar days after we receive your appeal. We will give you our decision sooner if you have not received the drug yet and your health condition requires us to do so. If you believe your health requires it, you should ask for fast appeal. o If we do not give you a decision within 7 calendar days, we are required to send your request on to Level 2 of the appeals process, where it will be reviewed by an Independent Review Organization. Later in this section, we tell about this review organization and explain what happens at Level 2 of the appeals process. If our answer is yes to part or all of what you requested o If we approve a request for coverage, we must provide the coverage we have agreed to provide as quickly as your health requires, but no later than 7 calendar days after we receive your appeal. o If we approve a request to pay you back for a drug you already bought, we are required to send payment to you within 30 calendar days after we receive your appeal request. If our answer is no to part or all of what you requested, we will send you a written statement that explains why we said no and how to appeal our decision.

216 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 198 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 3: If we say no to your appeal, you decide if you want to continue with the appeals process and make another appeal. If we say no to your appeal, you then choose whether to accept this decision or continue by making another appeal. If you decide to make another appeal, it means your appeal is going on to Level 2 of the appeals process (see below). Section 6.6 Step-by-step: How to make a Level 2 Appeal If we say no to your appeal, you then choose whether to accept this decision or continue by making another appeal. If you decide to go on to a Level 2 Appeal, the Independent Review Organization reviews the decision we made when we said no to your first appeal. This organization decides whether the decision we made should be changed. Legal Terms The formal name for the Independent Review Organization is the Independent Review Entity. It is sometimes called the IRE. Step 1: To make a Level 2 Appeal, you (or your representative or your doctor or other prescriber) must contact the Independent Review Organization and ask for a review of your case. If we say no to your Level 1 Appeal, the written notice we send you will include instructions on how to make a Level 2 Appeal with the Independent Review Organization. These instructions will tell who can make this Level 2 Appeal, what deadlines you must follow, and how to reach the review organization. When you make an appeal to the Independent Review Organization, we will send the information we have about your appeal to this organization. This information is called your case file. You have the right to ask us for a copy of your case file. We are allowed to charge you a fee for copying and sending this information to you. You have a right to give the Independent Review Organization additional information to support your appeal. Step 2: The Independent Review Organization does a review of your appeal and gives you an answer. The Independent Review Organization is an independent organization that is hired by Medicare. This organization is not connected with us and it is not a government agency. This organization is a company chosen by Medicare to review our decisions about your Part D benefits with us.

217 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 199 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Reviewers at the Independent Review Organization will take a careful look at all of the information related to your appeal. The organization will tell you its decision in writing and explain the reasons for it. Deadlines for fast appeal at Level 2 If your health requires it, ask the Independent Review Organization for a fast appeal. If the review organization agrees to give you a fast appeal, the review organization must give you an answer to your Level 2 Appeal within 72 hours after it receives your appeal request. If the Independent Review Organization says yes to part or all of what you requested, we must provide the drug coverage that was approved by the review organization within 24 hours after we receive the decision from the review organization. Deadlines for standard appeal at Level 2 If you have a standard appeal at Level 2, the review organization must give you an answer to your Level 2 Appeal within 7 calendar days after it receives your appeal. If the Independent Review Organization says yes to part or all of what you requested o If the Independent Review Organization approves a request for coverage, we must provide the drug coverage that was approved by the review organization within 72 hours after we receive the decision from the review organization. o If the Independent Review Organization approves a request to pay you back for a drug you already bought, we are required to send payment to you within 30 calendar days after we receive the decision from the review organization. What if the review organization says no to your appeal? If this organization says no to your appeal, it means the organization agrees with our decision not to approve your request. (This is called upholding the decision. It is also called turning down your appeal. ) If the Independent Review Organization upholds the decision you have the right to a Level 3 appeal. However, to make another appeal at Level 3, the dollar value of the drug coverage you are requesting must meet a minimum amount. If the dollar value of the drug coverage you are requesting is too low, you cannot make another appeal and the decision at Level 2 is final. The notice you get from the Independent Review Organization will tell you the dollar value that must be in dispute to continue with the appeals process.

218 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 200 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 3: If the dollar value of the coverage you are requesting meets the requirement, you choose whether you want to take your appeal further. There are three additional levels in the appeals process after Level 2 (for a total of five levels of appeal). If your Level 2 Appeal is turned down and you meet the requirements to continue with the appeals process, you must decide whether you want to go on to Level 3 and make a third appeal. If you decide to make a third appeal, the details on how to do this are in the written notice you got after your second appeal. The Level 3 Appeal is handled by an administrative law judge. Section 9 in this chapter tells more about Levels 3, 4, and 5 of the appeals process. SECTION 7 How to ask us to cover a longer inpatient hospital stay if you think the doctor is discharging you too soon When you are admitted to a hospital, you have the right to get all of your covered hospital services that are necessary to diagnose and treat your illness or injury. For more information about our coverage for your hospital care, including any limitations on this coverage, see Chapter 4 of this booklet: Medical Benefits Chart (what is covered and what you pay). During your covered hospital stay, your doctor and the hospital staff will be working with you to prepare for the day when you will leave the hospital. They will also help arrange for care you may need after you leave. The day you leave the hospital is called your discharge date. When your discharge date has been decided, your doctor or the hospital staff will let you know. If you think you are being asked to leave the hospital too soon, you can ask for a longer hospital stay and your request will be considered. This section tells you how to ask. Section 7.1 During your inpatient hospital stay, you will get a written notice from Medicare that tells about your rights During your covered hospital stay, you will be given a written notice called An Important Message from Medicare about Your Rights. Everyone with Medicare gets a copy of this notice whenever they are admitted to a hospital. Someone at the hospital (for example, a caseworker or nurse) must give it to you within two days after you are admitted. If you do not get the notice, ask any hospital employee for it. If you need help, please call Member Services (phone numbers are printed on the back cover of this booklet). You can also call MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call

219 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 201 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) 1. Read this notice carefully and ask questions if you do not understand it. It tells you about your rights as a hospital patient, including: Your right to receive Medicare-covered services during and after your hospital stay, as ordered by your doctor. This includes the right to know what these services are, who will pay for them, and where you can get them. Your right to be involved in any decisions about your hospital stay, and know who will pay for it. Where to report any concerns you have about quality of your hospital care. Your right to appeal your discharge decision if you think you are being discharged from the hospital too soon. Legal Terms The written notice from Medicare tells you how you can request an immediate review. Requesting an immediate review is a formal, legal way to ask for a delay in your discharge date so that we will cover your hospital care for a longer time. (Section 7.2 below tells you how you can request an immediate review.) 2. You must sign the written notice to show that you received it and understand your rights. You or someone who is acting on your behalf must sign the notice. (Section 4 of this chapter tells how you can give written permission to someone else to act as your representative.) Signing the notice shows only that you have received the information about your rights. The notice does not give your discharge date (your doctor or hospital staff will tell you your discharge date). Signing the notice does not mean you are agreeing on a discharge date. 3. Keep your copy of the signed notice so you will have the information about making an appeal (or reporting a concern about quality of care) handy if you need it. If you sign the notice more than two days before the day you leave the hospital, you will get another copy before you are scheduled to be discharged. To look at a copy of this notice in advance, you can call Member Services (phone numbers are printed on the back cover of this booklet) or MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call You can also see it online at Information/BNI/HospitalDischargeAppealNotices.html

220 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 202 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 7.2 Step-by-step: How to make a Level 1 Appeal to change your hospital discharge date If you want to ask for your inpatient hospital services to be covered by us for a longer time, you will need to use the appeals process to make this request. Before you start, understand what you need to do and what the deadlines are. Follow the process. Each step in the first two levels of the appeals process is explained below. Meet the deadlines. The deadlines are important. Be sure that you understand and follow the deadlines that apply to things you must do. Ask for help if you need it. If you have questions or need help at any time, please call Member Services (phone numbers are printed on the back cover of this booklet). Or call your State Health Insurance Assistance Program, a government organization that provides personalized assistance (see Section 2 of this chapter). During a Level 1 Appeal, the Quality Improvement Organization reviews your appeal. It checks to see if your planned discharge date is medically appropriate for you. Step 1: Contact the Quality Improvement Organization for your state and ask for a fast review of your hospital discharge. You must act quickly. What is the Quality Improvement Organization? This organization is a group of doctors and other health care professionals who are paid by the Federal government. These experts are not part of our plan. This organization is paid by Medicare to check on and help improve the quality of care for people with Medicare. This includes reviewing hospital discharge dates for people with Medicare. How can you contact this organization? The written notice you received (An Important Message from Medicare About Your Rights) tells you how to reach this organization. (Or find the name, address, and phone number of the Quality Improvement Organization for your state in Chapter 2, Section 4, of this booklet.) Act quickly: To make your appeal, you must contact the Quality Improvement Organization before you leave the hospital and no later than your planned discharge date. (Your planned discharge date is the date that has been set for you to leave the hospital.)

221 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 203 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o If you meet this deadline, you are allowed to stay in the hospital after your discharge date without paying for it while you wait to get the decision on your appeal from the Quality Improvement Organization. o If you do not meet this deadline, and you decide to stay in the hospital after your planned discharge date, you may have to pay all of the costs for hospital care you receive after your planned discharge date. If you miss the deadline for contacting the Quality Improvement Organization about your appeal, you can make your appeal directly to our plan instead. For details about this other way to make your appeal, see Section 7.4. Ask for a fast review : You must ask the Quality Improvement Organization for a fast review of your discharge. Asking for a fast review means you are asking for the organization to use the fast deadlines for an appeal instead of using the standard deadlines. Legal Terms A fast review is also called an immediate review or an expedited review. Step 2: The Quality Improvement Organization conducts an independent review of your case. What happens during this review? Health professionals at the Quality Improvement Organization (we will call them the reviewers for short) will ask you (or your representative) why you believe coverage for the services should continue. You do not have to prepare anything in writing, but you may do so if you wish. The reviewers will also look at your medical information, talk with your doctor, and review information that the hospital and we have given to them. By noon of the day after the reviewers informed our plan of your appeal, you will also get a written notice that gives your planned discharge date and explains in detail the reasons why your doctor, the hospital, and we think it is right (medically appropriate) for you to be discharged on that date. Legal Terms This written explanation is called the Detailed Notice of Discharge. You can get a sample of this notice by calling Member Services (phone numbers are printed on the back cover of this booklet) or MEDICARE ( ), 24 hours a day, 7 days a week. (TTY users should call ) Or you can see a sample notice online at

222 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 204 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 3: Within one full day after it has all the needed information, the Quality Improvement Organization will give you its answer to your appeal. What happens if the answer is yes? If the review organization says yes to your appeal, we must keep providing your covered inpatient hospital services for as long as these services are medically necessary. You will have to keep paying your share of the costs (such as deductibles or copayments, if these apply). In addition, there may be limitations on your covered hospital services. (See Chapter 4 of this booklet). What happens if the answer is no? If the review organization says no to your appeal, they are saying that your planned discharge date is medically appropriate. If this happens, our coverage for your inpatient hospital services will end at noon on the day after the Quality Improvement Organization gives you its answer to your appeal. If the review organization says no to your appeal and you decide to stay in the hospital, then you may have to pay the full cost of hospital care you receive after noon on the day after the Quality Improvement Organization gives you its answer to your appeal. Step 4: If the answer to your Level 1 Appeal is no, you decide if you want to make another appeal. If the Quality Improvement Organization has turned down your appeal, and you stay in the hospital after your planned discharge date, then you can make another appeal. Making another appeal means you are going on to Level 2 of the appeals process. Section 7.3 Step-by-step: How to make a Level 2 Appeal to change your hospital discharge date If the Quality Improvement Organization has turned down your appeal, and you stay in the hospital after your planned discharge date, then you can make a Level 2 Appeal. During a Level 2 Appeal, you ask the Quality Improvement Organization to take another look at the decision they made on your first appeal. If the Quality Improvement Organization turns down your Level 2 Appeal, you may have to pay the full cost for your stay after your planned discharge date. Here are the steps for Level 2 of the appeal process:

223 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 205 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 1: You contact the Quality Improvement Organization again and ask for another review. You must ask for this review within 60 calendar days after the day the Quality Improvement Organization said no to your Level 1 Appeal. You can ask for this review only if you stayed in the hospital after the date that your coverage for the care ended. Step 2: The Quality Improvement Organization does a second review of your situation. Reviewers at the Quality Improvement Organization will take another careful look at all of the information related to your appeal. Step 3: Within 14 calendar days of receipt of your request for a second review, the Quality Improvement Organization reviewers will decide on your appeal and tell you their decision. If the review organization says yes: We must reimburse you for our share of the costs of hospital care you have received since noon on the day after the date your first appeal was turned down by the Quality Improvement Organization. We must continue providing coverage for your inpatient hospital care for as long as it is medically necessary. You must continue to pay your share of the costs and coverage limitations may apply. If the review organization says no: It means they agree with the decision they made on your Level 1 Appeal and will not change it. This is called upholding the decision. The notice you get will tell you in writing what you can do if you wish to continue with the review process. It will give you the details about how to go on to the next level of appeal, which is handled by a judge. Step 4: If the answer is no, you will need to decide whether you want to take your appeal further by going on to Level 3. There are three additional levels in the appeals process after Level 2 (for a total of five levels of appeal). If the review organization turns down your Level 2 Appeal, you can choose whether to accept that decision or whether to go on to Level 3 and make another appeal. At Level 3, your appeal is reviewed by a judge. Section 9 in this chapter tells more about Levels 3, 4, and 5 of the appeals process.

224 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 206 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 7.4 What if you miss the deadline for making your Level 1 Appeal? You can appeal to us instead As explained above in Section 7.2, you must act quickly to contact the Quality Improvement Organization to start your first appeal of your hospital discharge. ( Quickly means before you leave the hospital and no later than your planned discharge date.) If you miss the deadline for contacting this organization, there is another way to make your appeal. If you use this other way of making your appeal, the first two levels of appeal are different. Step-by-Step: How to make a Level 1 Alternate Appeal If you miss the deadline for contacting the Quality Improvement Organization, you can make an appeal to us, asking for a fast review. A fast review is an appeal that uses the fast deadlines instead of the standard deadlines. Step 1: Contact us and ask for a fast review. Legal Terms A fast review (or fast appeal ) is also called an expedited appeal. For details on how to contact us, go to Chapter 2, Section 1 and look for the section called, How to contact us when you are making an appeal about your medical care or Part D prescription drugs. Be sure to ask for a fast review. This means you are asking us to give you an answer using the fast deadlines rather than the standard deadlines. Step 2: We do a fast review of your planned discharge date, checking to see if it was medically appropriate. During this review, we take a look at all of the information about your hospital stay. We check to see if your planned discharge date was medically appropriate. We will check to see if the decision about when you should leave the hospital was fair and followed all the rules. In this situation, we will use the fast deadlines rather than the standard deadlines for giving you the answer to this review.

225 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 207 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 3: We give you our decision within 72 hours after you ask for a fast review ( fast appeal ). If we say yes to your fast appeal, it means we have agreed with you that you still need to be in the hospital after the discharge date, and will keep providing your covered inpatient hospital services for as long as it is medically necessary. It also means that we have agreed to reimburse you for our share of the costs of care you have received since the date when we said your coverage would end. (You must pay your share of the costs and there may be coverage limitations that apply.) If we say no to your fast appeal, we are saying that your planned discharge date was medically appropriate. Our coverage for your inpatient hospital services ends as of the day we said coverage would end. o If you stayed in the hospital after your planned discharge date, then you may have to pay the full cost of hospital care you received after the planned discharge date. Step 4: If we say no to your fast appeal, your case will automatically be sent on to the next level of the appeals process. To make sure we were following all the rules when we said no to your fast appeal, we are required to send your appeal to the Independent Review Organization. When we do this, it means that you are automatically going on to Level 2 of the appeals process. Step-by-Step: Level 2 Alternate Appeal Process If we say no to your Level 1 Appeal, your case will automatically be sent on to the next level of the appeals process. During the Level 2 Appeal, an Independent Review Organization reviews the decision we made when we said no to your fast appeal. This organization decides whether the decision we made should be changed. Legal Terms The formal name for the Independent Review Organization is the Independent Review Entity. It is sometimes called the IRE. Step 1: We will automatically forward your case to the Independent Review Organization. We are required to send the information for your Level 2 Appeal to the Independent Review Organization within 24 hours of when we tell you that we are saying no to your first appeal. (If you think we are not meeting this deadline or other deadlines,

226 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 208 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) you can make a complaint. The complaint process is different from the appeal process. Section 10 of this chapter tells how to make a complaint.) Step 2: The Independent Review Organization does a fast review of your appeal. The reviewers give you an answer within 72 hours. The Independent Review Organization is an independent organization that is hired by Medicare. This organization is not connected with our plan and it is not a government agency. This organization is a company chosen by Medicare to handle the job of being the Independent Review Organization. Medicare oversees its work. Reviewers at the Independent Review Organization will take a careful look at all of the information related to your appeal of your hospital discharge. If this organization says yes to your appeal, then we must reimburse you (pay you back) for our share of the costs of hospital care you have received since the date of your planned discharge. We must also continue the plan s coverage of your inpatient hospital services for as long as it is medically necessary. You must continue to pay your share of the costs. If there are coverage limitations, these could limit how much we would reimburse or how long we would continue to cover your services. If this organization says no to your appeal, it means they agree with us that your planned hospital discharge date was medically appropriate. o The notice you get from the Independent Review Organization will tell you in writing what you can do if you wish to continue with the review process. It will give you the details about how to go on to a Level 3 Appeal, which is handled by a judge. Step 3: If the Independent Review Organization turns down your appeal, you choose whether you want to take your appeal further. There are three additional levels in the appeals process after Level 2 (for a total of five levels of appeal). If reviewers say no to your Level 2 Appeal, you decide whether to accept their decision or go on to Level 3 and make a third appeal. Section 9 in this chapter tells more about Levels 3, 4, and 5 of the appeals process.

227 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 209 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) SECTION 8 Section 8.1 How to ask us to keep covering certain medical services if you think your coverage is ending too soon This section is about three services only: Home health care, skilled nursing facility care, and Comprehensive Outpatient Rehabilitation Facility (CORF) services This section is about the following types of care only: Home health care services you are getting. Skilled nursing care you are getting as a patient in a skilled nursing facility. (To learn about requirements for being considered a skilled nursing facility, see Chapter 12, Definitions of important words.) Rehabilitation care you are getting as an outpatient at a Medicare-approved Comprehensive Outpatient Rehabilitation Facility (CORF). Usually, this means you are getting treatment for an illness or accident, or you are recovering from a major operation. (For more information about this type of facility, see Chapter 12, Definitions of important words.) When you are getting any of these types of care, you have the right to keep getting your covered services for that type of care for as long as the care is needed to diagnose and treat your illness or injury. For more information on your covered services, including your share of the cost and any limitations to coverage that may apply, see Chapter 4 of this booklet: Medical Benefits Chart (what is covered and what you pay). When we decide it is time to stop covering any of the three types of care for you, we are required to tell you in advance. When your coverage for that care ends, we will stop paying our share of the cost for your care. If you think we are ending the coverage of your care too soon, you can appeal our decision. This section tells you how to ask for an appeal. Section 8.2 We will tell you in advance when your coverage will be ending 1. You receive a notice in writing. At least two days before our plan is going to stop covering your care, you will receive a notice. The written notice tells you the date when we will stop covering the care for you.

228 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 210 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) The written notice also tells what you can do if you want to ask our plan to change this decision about when to end your care, and keep covering it for a longer period of time. Legal Terms In telling you what you can do, the written notice is telling how you can request a fasttrack appeal. Requesting a fast-track appeal is a formal, legal way to request a change to our coverage decision about when to stop your care. (Section 8.3 below tells how you can request a fast-track appeal.) The written notice is called the Notice of Medicare Non-Coverage. To get a sample copy, call Member Services (phone numbers are printed on the back cover of this booklet) or MEDICARE ( , 24 hours a day, 7 days a week. TTY users should call ). Or see a copy online at 2. You must sign the written notice to show that you received it. You or someone who is acting on your behalf must sign the notice. (Section 4 tells how you can give written permission to someone else to act as your representative.) Signing the notice shows only that you have received the information about when your coverage will stop. Signing it does not mean you agree with the plan that it is time to stop getting the care. Section 8.3 Step-by-step: How to make a Level 1 Appeal to have our plan cover your care for a longer time If you want to ask us to cover your care for a longer period of time, you will need to use the appeals process to make this request. Before you start, understand what you need to do and what the deadlines are. Follow the process. Each step in the first two levels of the appeals process is explained below. Meet the deadlines. The deadlines are important. Be sure that you understand and follow the deadlines that apply to things you must do. There are also deadlines our plan must follow. (If you think we are not meeting our deadlines, you can file a complaint. Section 10 of this chapter tells you how to file a complaint.) Ask for help if you need it. If you have questions or need help at any time, please call Member Services (phone numbers are printed on the back cover of this booklet). Or call your State Health Insurance Assistance Program, a government organization that provides personalized assistance (see Section 2 of this chapter). If you ask for a Level 1 Appeal on time, the Quality Improvement Organization reviews your appeal and decides whether to change the decision made by our plan.

229 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 211 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 1: Make your Level 1 Appeal: contact the Quality Improvement Organization for your state and ask for a review. You must act quickly. What is the Quality Improvement Organization? This organization is a group of doctors and other health care experts who are paid by the Federal government. These experts are not part of our plan. They check on the quality of care received by people with Medicare and review plan decisions about when it is time to stop covering certain kinds of medical care. How can you contact this organization? The written notice you received tells you how to reach this organization. (Or find the name, address, and phone number of the Quality Improvement Organization for your state in Chapter 2, Section 4, of this booklet.) What should you ask for? Ask this organization for a fast-track appeal (to do an independent review) of whether it is medically appropriate for us to end coverage for your medical services. Your deadline for contacting this organization. You must contact the Quality Improvement Organization to start your appeal no later than noon of the day after you receive the written notice telling you when we will stop covering your care. If you miss the deadline for contacting the Quality Improvement Organization about your appeal, you can make your appeal directly to us instead. For details about this other way to make your appeal, see Section 8.5. Step 2: The Quality Improvement Organization conducts an independent review of your case. What happens during this review? Health professionals at the Quality Improvement Organization (we will call them the reviewers for short) will ask you (or your representative) why you believe coverage for the services should continue. You do not have to prepare anything in writing, but you may do so if you wish. The review organization will also look at your medical information, talk with your doctor, and review information that our plan has given to them. By the end of the day the reviewers inform us of your appeal, and you will also get a written notice from us that explains in detail our reasons for ending our coverage for your services.

230 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 212 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Legal Terms This notice of explanation is called the Detailed Explanation of Non- Coverage. Step 3: Within one full day after they have all the information they need, the reviewers will tell you their decision. What happens if the reviewers say yes to your appeal? If the reviewers say yes to your appeal, then we must keep providing your covered services for as long as it is medically necessary. You will have to keep paying your share of the costs (such as deductibles or copayments, if these apply). In addition, there may be limitations on your covered services (see Chapter 4 of this booklet). What happens if the reviewers say no to your appeal? If the reviewers say no to your appeal, then your coverage will end on the date we have told you. We will stop paying our share of the costs of this care on the date listed on the notice. If you decide to keep getting the home health care, or skilled nursing facility care, or Comprehensive Outpatient Rehabilitation Facility (CORF) services after this date when your coverage ends, then you will have to pay the full cost of this care yourself. Step 4: If the answer to your Level 1 Appeal is no, you decide if you want to make another appeal. This first appeal you make is Level 1 of the appeals process. If reviewers say no to your Level 1 Appeal and you choose to continue getting care after your coverage for the care has ended then you can make another appeal. Making another appeal means you are going on to Level 2 of the appeals process. Section 8.4 Step-by-step: How to make a Level 2 Appeal to have our plan cover your care for a longer time If the Quality Improvement Organization has turned down your appeal and you choose to continue getting care after your coverage for the care has ended, then you can make a Level 2 Appeal. During a Level 2 Appeal, you ask the Quality Improvement Organization to take another look at the decision they made on your first appeal. If the Quality Improvement Organization turns down your Level 2 Appeal, you may have to pay the full cost for your home health care, or

231 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 213 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) skilled nursing facility care, or Comprehensive Outpatient Rehabilitation Facility (CORF) services after the date when we said your coverage would end. Here are the steps for Level 2 of the appeal process: Step 1: You contact the Quality Improvement Organization again and ask for another review. You must ask for this review within 60 days after the day when the Quality Improvement Organization said no to your Level 1 Appeal. You can ask for this review only if you continued getting care after the date that your coverage for the care ended. Step 2: The Quality Improvement Organization does a second review of your situation. Reviewers at the Quality Improvement Organization will take another careful look at all of the information related to your appeal. Step 3: Within 14 days of receipt of your appeal request, reviewers will decide on your appeal and tell you their decision. What happens if the review organization says yes to your appeal? We must reimburse you for our share of the costs of care you have received since the date when we said your coverage would end. We must continue providing coverage for the care for as long as it is medically necessary. You must continue to pay your share of the costs and there may be coverage limitations that apply. What happens if the review organization says no? It means they agree with the decision we made to your Level 1 Appeal and will not change it. The notice you get will tell you in writing what you can do if you wish to continue with the review process. It will give you the details about how to go on to the next level of appeal, which is handled by a judge. Step 4: If the answer is no, you will need to decide whether you want to take your appeal further. There are three additional levels of appeal after Level 2, for a total of five levels of appeal. If reviewers turn down your Level 2 Appeal, you can choose whether to accept that decision or to go on to Level 3 and make another appeal. At Level 3, your appeal is reviewed by a judge.

232 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 214 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 9 in this chapter tells more about Levels 3, 4, and 5 of the appeals process. Section 8.5 What if you miss the deadline for making your Level 1 Appeal? You can appeal to us instead As explained above in Section 8.3, you must act quickly to contact the Quality Improvement Organization to start your first appeal (within a day or two, at the most). If you miss the deadline for contacting this organization, there is another way to make your appeal. If you use this other way of making your appeal, the first two levels of appeal are different. Step-by-Step: How to make a Level 1 Alternate Appeal If you miss the deadline for contacting the Quality Improvement Organization, you can make an appeal to us, asking for a fast review. A fast review is an appeal that uses the fast deadlines instead of the standard deadlines. Here are the steps for a Level 1 Alternate Appeal: Step 1: Contact us and ask for a fast review. Legal Terms A fast review (or fast appeal ) is also called an expedited appeal. For details on how to contact us, go to Chapter 2, Section 1 and look for the section called, How to contact us when you are making an appeal about your medical care or Part D prescription drugs. Be sure to ask for a fast review. This means you are asking us to give you an answer using the fast deadlines rather than the standard deadlines. Step 2: We do a fast review of the decision we made about when to end coverage for your services. During this review, we take another look at all of the information about your case. We check to see if we were following all the rules when we set the date for ending the plan s coverage for services you were receiving. We will use the fast deadlines rather than the standard deadlines for giving you the answer to this review.

233 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 215 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 3: We give you our decision within 72 hours after you ask for a fast review ( fast appeal ). If we say yes to your fast appeal, it means we have agreed with you that you need services longer, and will keep providing your covered services for as long as it is medically necessary. It also means that we have agreed to reimburse you for our share of the costs of care you have received since the date when we said your coverage would end. (You must pay your share of the costs and there may be coverage limitations that apply.) If we say no to your fast appeal, then your coverage will end on the date we told you and we will not pay any share of the costs after this date. If you continued to get home health care, or skilled nursing facility care, or Comprehensive Outpatient Rehabilitation Facility (CORF) services after the date when we said your coverage would end, then you will have to pay the full cost of this care yourself. Step 4: If we say no to your fast appeal, your case will automatically go on to the next level of the appeals process. To make sure we were following all the rules when we said no to your fast appeal, we are required to send your appeal to the Independent Review Organization. When we do this, it means that you are automatically going on to Level 2 of the appeals process. Step-by-Step: Level 2 Alternate Appeal Process If we say no to your Level 1 Appeal, your case will automatically be sent on to the next level of the appeals process. During the Level 2 Appeal, the Independent Review Organization reviews the decision we made when we said no to your fast appeal. This organization decides whether the decision we made should be changed. Legal Terms The formal name for the Independent Review Organization is the Independent Review Entity. It is sometimes called the IRE. Step 1: We will automatically forward your case to the Independent Review Organization. We are required to send the information for your Level 2 Appeal to the Independent Review Organization within 24 hours of when we tell you that we are saying no to your first appeal. (If you think we are not meeting this deadline or other deadlines,

234 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 216 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) you can make a complaint. The complaint process is different from the appeal process. Section 10 of this chapter tells how to make a complaint.) Step 2: The Independent Review Organization does a fast review of your appeal. The reviewers give you an answer within 72 hours. The Independent Review Organization is an independent organization that is hired by Medicare. This organization is not connected with our plan and it is not a government agency. This organization is a company chosen by Medicare to handle the job of being the Independent Review Organization. Medicare oversees its work. Reviewers at the Independent Review Organization will take a careful look at all of the information related to your appeal. If this organization says yes to your appeal, then we must reimburse you (pay you back) for our share of the costs of care you have received since the date when we said your coverage would end. We must also continue to cover the care for as long as it is medically necessary. You must continue to pay your share of the costs. If there are coverage limitations, these could limit how much we would reimburse or how long we would continue to cover your services. If this organization says no to your appeal, it means they agree with the decision our plan made to your first appeal and will not change it. o The notice you get from the Independent Review Organization will tell you in writing what you can do if you wish to continue with the review process. It will give you the details about how to go on to a Level 3 Appeal. Step 3: If the Independent Review Organization turns down your appeal, you choose whether you want to take your appeal further. There are three additional levels of appeal after Level 2, for a total of five levels of appeal. If reviewers say no to your Level 2 Appeal, you can choose whether to accept that decision or whether to go on to Level 3 and make another appeal. At Level 3, your appeal is reviewed by a judge. Section 9 in this chapter tells more about Levels 3, 4, and 5 of the appeals process. SECTION 9 Section 9.1 Taking your appeal to Level 3 and beyond Levels of Appeal 3, 4, and 5 for Medical Service Appeals This section may be appropriate for you if you have made a Level 1 Appeal and a Level 2 Appeal, and both of your appeals have been turned down. If the dollar value of the item or medical service you have appealed meets certain minimum levels, you may be able to go on to additional levels of appeal. If the dollar value is less than the

235 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 217 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) minimum level, you cannot appeal any further. If the dollar value is high enough, the written response you receive to your Level 2 Appeal will explain who to contact and what to do to ask for a Level 3 Appeal. For most situations that involve appeals, the last three levels of appeal work in much the same way. Here is who handles the review of your appeal at each of these levels. Level 3 Appeal: A judge who works for the Federal government will review your appeal and give you an answer. This judge is called an Administrative Law Judge. If the Administrative Law Judge says yes to your appeal, the appeals process may or may not be over - We will decide whether to appeal this decision to Level 4. Unlike a decision at Level 2 (Independent Review Organization), we have the right to appeal a Level 3 decision that is favorable to you. o If we decide not to appeal the decision, we must authorize or provide you with the service within 60 calendar days after receiving the judge s decision. o If we decide to appeal the decision, we will send you a copy of the Level 4 Appeal request with any accompanying documents. We may wait for the Level 4 Appeal decision before authorizing or providing the service in dispute. If the Administrative Law Judge says no to your appeal, the appeals process may or may not be over. o If you decide to accept this decision that turns down your appeal, the appeals process is over. o If you do not want to accept the decision, you can continue to the next level of the review process. If the administrative law judge says no to your appeal, the notice you get will tell you what to do next if you choose to continue with your appeal. Level 4 Appeal: The Appeals Council will review your appeal and give you an answer. The Appeals Council works for the Federal government. If the answer is yes, or if the Appeals Council denies our request to review a favorable Level 3 Appeal decision, the appeals process may or may not be over - We will decide whether to appeal this decision to Level 5. Unlike a decision at Level 2 (Independent Review Organization), we have the right to appeal a Level 4 decision that is favorable to you. o If we decide not to appeal the decision, we must authorize or provide you with the service within 60 calendar days after receiving the Appeals Council s decision. o If we decide to appeal the decision, we will let you know in writing. If the answer is no or if the Appeals Council denies the review request, the appeals process may or may not be over.

236 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 218 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) o If you decide to accept this decision that turns down your appeal, the appeals process is over. o If you do not want to accept the decision, you might be able to continue to the next level of the review process. If the Appeals Council says no to your appeal, the notice you get will tell you whether the rules allow you to go on to a Level 5 Appeal. If the rules allow you to go on, the written notice will also tell you who to contact and what to do next if you choose to continue with your appeal. Level 5 Appeal: A judge at the Federal District Court will review your appeal. This is the last step of the administrative appeals process. Section 9.2 Levels of Appeal 3, 4, and 5 for Part D Drug Appeals This section may be appropriate for you if you have made a Level 1 Appeal and a Level 2 Appeal, and both of your appeals have been turned down. If the value of the drug you have appealed meets a certain dollar amount, you may be able to go on to additional levels of appeal. If the dollar amount is less, you cannot appeal any further. The written response you receive to your Level 2 Appeal will explain who to contact and what to do to ask for a Level 3 Appeal. For most situations that involve appeals, the last three levels of appeal work in much the same way. Here is who handles the review of your appeal at each of these levels. Level 3 Appeal: A judge who works for the Federal government will review your appeal and give you an answer. This judge is called an Administrative Law Judge. If the answer is yes, the appeals process is over. What you asked for in the appeal has been approved. We must authorize or provide the drug coverage that was approved by the Administrative Law Judge within 72 hours (24 hours for expedited appeals) or make payment no later than 30 calendar days after we receive the decision. If the answer is no, the appeals process may or may not be over. o If you decide to accept this decision that turns down your appeal, the appeals process is over. o If you do not want to accept the decision, you can continue to the next level of the review process. If the administrative law judge says no to your appeal, the notice you get will tell you what to do next if you choose to continue with your appeal. Level 4 Appeal The Appeals Council will review your appeal and give you an answer. The Appeals Council works for the Federal government.

237 question mark. If 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 219 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) If the answer is yes, the appeals process is over. What you asked for in the appeal has been approved. We must authorize or provide the drug coverage that was approved by the Appeals Council within 72 hours (24 hours for expedited appeals) or make payment no later than 30 calendar days after we receive the decision. If the answer is no, the appeals process may or may not be over. o If you decide to accept this decision that turns down your appeal, the appeals process is over. o If you do not want to accept the decision, you might be able to continue to the next level of the review process. If the Appeals Council says no to your appeal or denies your request to review the appeal, the notice you get will tell you whether the rules allow you to go on to Level 5 Appeal. If the rules allow you to go on, the written notice will also tell you who to contact and what to do next if you choose to continue with your appeal. Level 5 Appeal A judge at the Federal District Court will review your appeal. This is the last step of the appeals process. MAKING COMPLAINTS SECTION 10 How to make a complaint about quality of care, waiting times, customer service, or other concerns your problem is about decisions related to benefits, coverage, or payment, then this section is not for you. Instead, you need to use the process for coverage decisions and appeals. Go to Section 4 of this chapter. Section 10.1 What kinds of problems are handled by the complaint process? This section explains how to use the process for making complaints. The complaint process is used for certain types of problems only. This includes problems related to quality of care, waiting times, and the customer service you receive. Here are examples of the kinds of problems handled by the complaint process.

238 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 220 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) If you have any of these kinds of problems, you can make a complaint Complaint Example Quality of your medical care Are you unhappy with the quality of the care you have received (including care in the hospital)? Respecting your privacy Do you believe that someone did not respect your right to privacy or shared information about you that you feel should be confidential? Disrespect, poor customer service, or other negative behaviors Has someone been rude or disrespectful to you? Are you unhappy with how our Member Services has treated you? Do you feel you are being encouraged to leave the plan? Waiting times Are you having trouble getting an appointment, or waiting too long to get it? Have you been kept waiting too long by doctors, pharmacists, or other health professionals? Or by our Member Services or other staff at the plan? o Examples include waiting too long on the phone, in the waiting room, when getting a prescription, or in the exam room. Cleanliness Are you unhappy with the cleanliness or condition of a clinic, hospital, or doctor s office? Information you get from us Do you believe we have not given you a notice that we are required to give? Do you think written information we have given you is hard to understand?

239 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 221 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Complaint Timeliness (These types of complaints are all related to the timeliness of our actions related to coverage decisions and appeals) Example The process of asking for a coverage decision and making appeals is explained in sections 4-9 of this chapter. If you are asking for a decision or making an appeal, you use that process, not the complaint process. However, if you have already asked us for a coverage decision or made an appeal, and you think that we are not responding quickly enough, you can also make a complaint about our slowness. Here are examples: If you have asked us to give you a fast coverage decision or a fast appeal, and we have said we will not, you can make a complaint. If you believe we are not meeting the deadlines for giving you a coverage decision or an answer to an appeal you have made, you can make a complaint. When a coverage decision we made is reviewed and we are told that we must cover or reimburse you for certain medical services or drugs, there are deadlines that apply. If you think we are not meeting these deadlines, you can make a complaint. When we do not give you a decision on time, we are required to forward your case to the Independent Review Organization. If we do not do that within the required deadline, you can make a complaint. Section 10.2 The formal name for making a complaint is filing a grievance Legal Terms What this section calls a complaint is also called a grievance. Another term for making a complaint is filing a grievance. Another way to say using the process for complaints is using the process for filing a grievance.

240 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 222 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Section 10.3 Step-by-step: Making a complaint Step 1: Contact us promptly either by phone or in writing. Usually, calling Member Services is the first step. If there is anything else you need to do, Member Services will let you know. Local (318) (Toll-Free (844) ) TTY Local (318) (TTY Toll-Free (866) ) Hours are seven (7) days a week from 8:00 a.m. 8:00 p.m. CST from October 1, 2016 February 14, After February 14, 2017, Member Services will operate five (5) days a week, Monday Friday, 8:00 a.m. 8:00 p.m. CST. If you do not wish to call (or you called and were not satisfied), you can put your complaint in writing and send it to us. If you put your complaint in writing, we will respond to your complaint in writing. A grievance may be filed by submitting the completed details in writing to Vantage Health Plan, Inc. at the following location: ATTN: Medical Director, 130 DeSiard Street, Suite 300, Monroe, LA The grievance must be submitted within sixty (60) days of the event or incident. We must address your grievance as quickly as your case requires based on your health status, but no later than thirty (30) days after receiving your complaint. You have the right to file an expedited grievance whenever we deny your request for an expedited decision about your request for a service, or, whenever we deny your request for an expedited decision about your appeal for a service. You also have the right to file an expedited grievance if you do not agree with our decision to extend the time needed to make a decision on your request for a service, or to consider your appeal for a service. We must decide within twenty-four (24) hours if our decision to deny or delay making an expedited decision puts your life or health at risk. We may extend the timeframe for deciding on a grievance by up to fourteen (14) days if you ask for the extension, or are justified in request additional information and the delay is in your best interest. If we deny your grievance in whole or in part, our written decision will explain why we denied it and will tell you about any dispute resolution options you may have. Whether you call or write, you should contact Member Services right away. The complaint must be made within 60 calendar days after you had the problem you want to complain about. If you are making a complaint because we denied your request for a fast coverage decision or a fast appeal, we will automatically give you a fast complaint. If you have a fast complaint, it means we will give you an answer within 24 hours. Legal Terms What this section calls a fast complaint is also called an expedited grievance.

241 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 223 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Step 2: We look into your complaint and give you our answer. If possible, we will answer you right away. If you call us with a complaint, we may be able to give you an answer on the same phone call. If your health condition requires us to answer quickly, we will do that. Most complaints are answered in 30 calendar days. If we need more information and the delay is in your best interest or if you ask for more time, we can take up to 14 more calendar days (44 calendar days total) to answer your complaint. If we decide to take extra days, we will tell you in writing. If we do not agree with some or all of your complaint or do not take responsibility for the problem you are complaining about, we will let you know. Our response will include our reasons for this answer. We must respond whether we agree with the complaint or not. Section 10.4 You can also make complaints about quality of care to the Quality Improvement Organization You can make your complaint about the quality of care you received to us by using the step-bystep process outlined above. When your complaint is about quality of care, you also have two extra options: You can make your complaint to the Quality Improvement Organization. If you prefer, you can make your complaint about the quality of care you received directly to this organization (without making the complaint to us). o The Quality Improvement Organization is a group of practicing doctors and other health care experts paid by the Federal government to check and improve the care given to Medicare patients. o To find the name, address, and phone number of the Quality Improvement Organization for your state, look in Chapter 2, Section 4, of this booklet. If you make a complaint to this organization, we will work with them to resolve your complaint. Or you can make your complaint to both at the same time. If you wish, you can make your complaint about quality of care to us and also to the Quality Improvement Organization. Section 10.5 You can also tell Medicare about your complaint You can submit a complaint about Vantage Medicare Advantage ZERO Premium (HMO-POS) directly to Medicare. To submit a complaint to Medicare, go to

242 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 224 Chapter 9. What to do if you have a problem or complaint (coverage decisions, appeals, complaints) Medicare takes your complaints seriously and will use this information to help improve the quality of the Medicare program. If you have any other feedback or concerns, or if you feel the plan is not addressing your issue, please call MEDICARE ( ). TTY/TDD users can call

243 CHAPTER 10 Ending your membership in the plan

244 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 226 Chapter 10. Ending your membership in the plan Chapter 10. Ending your membership in the plan SECTION 1 Introduction Section 1.1 This chapter focuses on ending your membership in our plan SECTION 2 When can you end your membership in our plan? Section 2.1 Section 2.2 Section 2.3 Section 2.4 You can end your membership during the Medicare Annual Enrollment Period You can end your membership during the annual Medicare Advantage Disenrollment Period, but your choices are more limited In certain situations, you can end your membership during a Special Enrollment Period Where can you get more information about when you can end your membership? SECTION 3 How do you end your membership in our plan? Section 3.1 Usually, you end your membership by enrolling in another plan SECTION 4 Until your membership ends, you must keep getting your medical services and drugs through our plan Section 4.1 Until your membership ends, you are still a member of our plan SECTION 5 Vantage Medicare Advantage ZERO Premium (HMO-POS) must end your membership in the plan in certain situations Section 5.1 When must we end your membership in the plan? Section 5.2 Section 5.3 We cannot ask you to leave our plan for any reason related to your health You have the right to make a complaint if we end your membership in our plan...234

245 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 227 Chapter 10. Ending your membership in the plan SECTION 1 Section 1.1 Introduction This chapter focuses on ending your membership in our plan Ending your membership in Vantage Medicare Advantage ZERO Premium (HMO-POS) may be voluntary (your own choice) or involuntary (not your own choice): You might leave our plan because you have decided that you want to leave. o There are only certain times during the year, or certain situations, when you may voluntarily end your membership in the plan. Section 2 tells you when you can end your membership in the plan. o The process for voluntarily ending your membership varies depending on what type of new coverage you are choosing. Section 3 tells you how to end your membership in each situation. There are also limited situations where you do not choose to leave, but we are required to end your membership. Section 5 tells you about situations when we must end your membership. If you are leaving our plan, you must continue to get your medical care through our plan until your membership ends. SECTION 2 When can you end your membership in our plan? You may end your membership in our plan only during certain times of the year, known as enrollment periods. All members have the opportunity to leave the plan during the Annual Enrollment Period and during the annual Medicare Advantage Disenrollment Period. In certain situations, you may also be eligible to leave the plan at other times of the year. Section 2.1 You can end your membership during the Medicare Annual Enrollment Period You can end your membership during the Medicare Annual Enrollment Period (also known as the Annual Coordinated Election Period ). This is the time when you should review your health and drug coverage and make a decision about your coverage for the upcoming year. When is the Medicare Annual Enrollment Period? This happens from October 15 to December 7 for a January 1, 2017 effective date. Enrollment forms must be received by OGB by December 7, 2016 to ensure proper deductions of plan premiums from your January retirement check. What type of plan can you switch to during the Medicare Annual Enrollment Period? During this time, you can review your health coverage and your prescription

246 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 228 Chapter 10. Ending your membership in the plan drug coverage. You can choose to keep your current coverage or make changes to your coverage for the upcoming year. If you decide to change to a new plan, you can choose any of the following types of plans: o Any of the available OGB-sponsored Medicare Advantage plans, o Any of the available OGB-sponsored standard plans: Vantage Medical Home HMO, Magnolia Open Access, Magnolia Local, Magnolia Local Plus, or Pelican HRA, o A non-ogb-sponsored Medicare Advantage plan. (You can choose a plan that covers prescription drugs or one that does not cover prescription drugs.) o Original Medicare with a separate Medicare prescription drug plan. o or Original Medicare without a separate Medicare prescription drug plan. Please check with OGB Customer Service before you change your plan. This is important because you may lose benefits you currently receive under OGB if you switch to a non-ogb-sponsored Medicare Advantage plan. If you receive Extra Help from Medicare to pay for your prescription drugs: If you switch to Original Medicare and do not enroll in a separate Medicare prescription drug plan, Medicare may enroll you in a drug plan, unless you have opted out of automatic enrollment. Note: If you disenroll from Medicare prescription drug coverage and go without creditable prescription drug coverage, you may need to pay a late enrollment penalty if you join a Medicare drug plan later. ( Creditable coverage means the coverage is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage.) See Chapter 6, Section 9 for more information about the late enrollment penalty. When will your membership end? Your membership will end when your new plan s coverage begins on January 1. Section 2.2 You can end your membership during the annual Medicare Advantage Disenrollment Period, but your choices are more limited You have the opportunity to make one change to your health coverage during the annual Medicare Advantage Disenrollment Period. When is the annual Medicare Advantage Disenrollment Period? This happens every year from January 1 to February 14. What type of plan can you switch to during the annual Medicare Advantage Disenrollment Period? During this time, you can cancel your Medicare Advantage

247 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 229 Chapter 10. Ending your membership in the plan Plan enrollment and switch to Original Medicare. If you choose to switch to Original Medicare during this period, you have until February 14 to join a separate Medicare prescription drug plan to add drug coverage. When will your membership end? Your membership will end on the first day of the month after we get your request to switch to Original Medicare. If you also choose to enroll in a Medicare prescription drug plan, your membership in the drug plan will begin the first day of the month after the drug plan gets your enrollment request. Section 2.3 In certain situations, you can end your membership during a Special Enrollment Period In certain situations, members of Vantage Medicare Advantage ZERO Premium (HMO-POS) may be eligible to end their membership at other times of the year. This is known as a Special Enrollment Period. Who is eligible for a Special Enrollment Period? If any of the following situations apply to you, you are eligible to end your membership during a Special Enrollment Period. These are just examples, for the full list you can contact the plan, call Medicare, or visit the Medicare website ( o Usually, when you have moved. o If you have Louisiana Medicaid. o If you are eligible for Extra Help with paying for your Medicare prescriptions. o If we violate our contract with you. o If you are getting care in an institution, such as a nursing home or long-term care (LTC) hospital. o If you enroll in the Program of All-inclusive Care for the Elderly (PACE). When are Special Enrollment Periods? The enrollment periods vary depending on your situation. What can you do? To find out if you are eligible for a Special Enrollment Period, please call Medicare at MEDICARE ( ), 24 hours a day, 7 days a week. TTY users call If you are eligible to end your membership because of a special situation, you can choose to change both your Medicare health coverage and prescription drug coverage. This means you can choose any of the following types of plans: o Any of the available OGB-sponsored Medicare Advantage plans, o Any of the available OGB-sponsored standard plans: Vantage Medical Home HMO, Magnolia Open Access, Magnolia Local, Magnolia Local Plus, or Pelican HRA,

248 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 230 Chapter 10. Ending your membership in the plan o A non-ogb-sponsored Medicare Advantage plan. (You can choose a plan that covers prescription drugs or one that does not cover prescription drugs.) Please check with the OGB Customer Service before you change your plan. This is important because you may lose benefits you currently receive under OGB if you switch to a non-ogb-sponsored Medicare Advantage plan. o Original Medicare with a separate Medicare prescription drug plan. o or Original Medicare without a separate Medicare prescription drug plan. If you receive Extra Help from Medicare to pay for your prescription drugs: If you switch to Original Medicare and do not enroll in a separate Medicare prescription drug plan, Medicare may enroll you in a drug plan, unless you have opted out of automatic enrollment. Note: If you disenroll from Medicare prescription drug coverage and go without creditable prescription drug coverage, you may need to pay a late enrollment penalty if you join a Medicare drug plan later. ( Creditable coverage means the coverage is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage.) See Chapter 6, Section 9 for more information about the late enrollment penalty. When will your membership end? Your membership will usually end on the first day of the month after your request to change your plan is received. Section 2.4 Where can you get more information about when you can end your membership? If you have any questions or would like more information on when you can end your membership: You can call Member Services (phone numbers are printed on the back cover of this booklet). You can find the information in the Medicare & You 2017 Handbook. o Everyone with Medicare receives a copy of Medicare & You each fall. Those new to Medicare receive it within a month after first signing up. o You can also download a copy from the Medicare website ( Or, you can order a printed copy by calling Medicare at the number below. You can contact Medicare at MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call

249 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 231 Chapter 10. Ending your membership in the plan SECTION 3 Section 3.1 How do you end your membership in our plan? Usually, you end your membership by enrolling in another plan Usually, to end your membership in our plan, you simply enroll in another Medicare plan during one of the enrollment periods (see Section 2 in this chapter for information about the enrollment periods). However, if you want to switch from our plan to Original Medicare without a Medicare prescription drug plan, you must ask to be disenrolled from our plan. There are two ways you can ask to be disenrolled: You can make a request in writing to us. Contact Member Services if you need more information on how to do this (phone numbers are printed on the back cover of this booklet). --or--you can contact Medicare at MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Note: If you disenroll from Medicare prescription drug coverage and go without creditable prescription drug coverage, you may need to pay a late enrollment penalty if you join a Medicare drug plan later. ( Creditable coverage means the coverage is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage.) See Chapter 6, Section 9 for more information about the late enrollment penalty. The table below explains how you should end your membership in our plan. If you would like to switch from our plan to: This is what you should do: Another Medicare health plan. Enroll in the new Medicare health plan. You will automatically be disenrolled from Vantage Medicare Advantage ZERO Premium (HMO-POS) when your new plan s coverage begins. Original Medicare with a separate Medicare prescription drug plan. Enroll in the new Medicare prescription drug plan. You will automatically be disenrolled from Vantage Medicare Advantage ZERO Premium (HMO-POS) when your new plan s coverage begins.

250 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 232 Chapter 10. Ending your membership in the plan If you would like to switch from our plan to: This is what you should do: Original Medicare without a separate Medicare prescription drug plan. o Note: If you disenroll from a Medicare prescription drug plan and go without creditable prescription drug coverage, you may need to pay a late enrollment penalty if you join a Medicare drug plan later. See Chapter 6, Section 9 for more information about the late enrollment penalty. Send us a written request to disenroll. Contact Member Services if you need more information on how to do this (phone numbers are printed on the back cover of this booklet). You can also contact Medicare, at MEDICARE ( ), 24 hours a day, 7 days a week, and ask to be disenrolled. TTY users should call You will be disenrolled from Vantage Medicare Advantage ZERO Premium (HMO- POS) when your coverage in Original Medicare begins. SECTION 4 Until your membership ends, you must keep getting your medical services and drugs through our plan Section 4.1 Until your membership ends, you are still a member of our plan If you leave Vantage Medicare Advantage ZERO Premium (HMO-POS), it may take time before your membership ends and your new Medicare coverage goes into effect. (See Section 2 for information on when your new coverage begins.) During this time, you must continue to get your medical care and prescription drugs through our plan. You should continue to use our network pharmacies to get your prescriptions filled until your membership in our plan ends. Usually, your prescription drugs are only covered if they are filled at a network pharmacy including through our mail-order pharmacy services. If you are hospitalized on the day that your membership ends, your hospital stay will usually be covered by our plan until you are discharged (even if you are discharged after your new health coverage begins).

251 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 233 Chapter 10. Ending your membership in the plan SECTION 5 Section 5.1 Vantage Medicare Advantage ZERO Premium (HMO- POS) must end your membership in the plan in certain situations When must we end your membership in the plan? Vantage Medicare Advantage ZERO Premium (HMO-POS) must end your membership in the plan if any of the following happen: If you do not stay continuously enrolled in Medicare Part A and Part B. If you move out of our service area. If you are away from our service area for more than six months. o If you move or take a long trip, you need to call Member Services to find out if the place you are moving or traveling to is in our plan s area. (Phone numbers for Member Services are printed on the back cover of this booklet.) If you become incarcerated (go to prison). If you are not a United States citizen or lawfully present in the United States. If you lie about or withhold information about other insurance you have that provides prescription drug coverage. If you intentionally give us incorrect information when you are enrolling in our plan and that information affects your eligibility for our plan. (We cannot make you leave our plan for this reason unless we get permission from Medicare first.) If you continuously behave in a way that is disruptive and makes it difficult for us to provide medical care for you and other members of our plan. (We cannot make you leave our plan for this reason unless we get permission from Medicare first.) If you let someone else use your membership card to get medical care. (We cannot make you leave our plan for this reason unless we get permission from Medicare first.) o If we end your membership because of this reason, Medicare may have your case investigated by the Inspector General. If you do not pay the late enrollment penalty to OGB and OGB notifies us of disenrollment. If you are required to pay the extra Part D amount because of your income and you do not pay it, Medicare will disenroll you from our plan and you will lose prescription drug coverage. Where can you get more information? If you have questions or would like more information on when we can end your membership:

252 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 234 Chapter 10. Ending your membership in the plan You can call OGB for more information at (225) or toll-free (800) Section 5.2 We cannot ask you to leave our plan for any reason related to your health Vantage Medicare Advantage ZERO Premium (HMO-POS) is not allowed to ask you to leave our plan for any reason related to your health. What should you do if this happens? If you feel that you are being asked to leave our plan because of a health-related reason, you should call Medicare at MEDICARE ( ). TTY users should call You may call 24 hours a day, 7 days a week. Section 5.3 You have the right to make a complaint if we end your membership in our plan If we end your membership in our plan, we must tell you our reasons in writing for ending your membership. We must also explain how you can file a grievance or make a complaint about our decision to end your membership. You can look in Chapter 9, Section 10 for information about how to make a complaint.

253 CHAPTER 11 Legal notices

254 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 236 Chapter 11. Legal notices Chapter 11. Legal notices SECTION 1 Notice about governing law SECTION 2 Recovery of the cost of benefits SECTION 3 Subrogation SECTION 4 Reimbursement SECTION 5 Lien SECTION 6 Assignment SECTION 7 Participating providers subrogation rights SECTION 8 Other plan rights SECTION 9 Notice about non-discrimination SECTION 10 Notice about Medicare Secondary Payer subrogation rights SECTION 11 Notice about communications SECTION 12 Notice about affirmative statement

255 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 237 Chapter 11. Legal notices SECTION 1 Notice about governing law Many laws apply to this Evidence of Coverage and some additional provisions may apply because they are required by law. This may affect your rights and responsibilities even if the laws are not included or explained in this document. The principal law that applies to this document is Title XVIII of the Social Security Act and the regulations created under the Social Security Act by the Centers for Medicare & Medicaid Services, or CMS. In addition, other Federal laws may apply and, under certain circumstances, the laws of the state you live in. SECTION 2 Recovery of the cost of benefits If you are injured or become ill through the act of another person or party or entity and we provide benefits for the injury or illness, you are entitled to benefits under this Plan and we shall have the right to repayment of any and all benefits provided on your behalf that are associated with the injury or illness for which the other person or entity is liable. SECTION 3 Subrogation We have the right and responsibility to collect for covered Medicare services for which Medicare is not the primary payer. According to CMS regulations at 42 CFR sections and , Vantage Medicare Advantage ZERO Premium (HMO-POS), as a Medicare Advantage Organization, will exercise the same rights of recovery that the Secretary exercises under CMS regulations in subparts B through D of part 411 of 42 CFR and the rules established in this section supersede any State laws, regulations, or other standards that would otherwise apply. Subrogation means that we can regain, by legal action, if necessary, the cost of benefits provided by us from any person or entity against whom you may have a claim. Subrogation will result in savings for the benefit of all Vantage Medicare Advantage ZERO Premium (HMO-POS) members because the cost of treatment for sickness or injury will be paid by the person or entity that is legally responsible for such payment. In the event that benefits are provided under this Plan, we shall be subrogated to your rights of recovery against any person or entity to the extent of the amount of the benefits provided. This includes our right to bring suit against the person or entity in our name or your name. At our request, you shall execute and deliver the necessary documentation (as determined by us) to secure and protect our subrogation rights. You agree to cooperate with us and/or our representatives, including our attorneys, in completing such documentation and in giving such information surrounding any accident or incident you were involved in, as we or our representatives deem necessary to fully investigate the accident or incident. You also have the following obligations under this subrogation provision: To notify us within thirty (30) days of any event which could result in legal action, a claim by or against a third party, or a claim against your own insurance. If you are in an automobile accident, call Vantage within 5 business days to coordinate who shall pay your claims. Vantage shall pay claims related to your injury and will be reimbursed by automobile insurance. To seek recovery from the responsible person or entity (or his/her insurer) of all amounts

256 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 238 Chapter 11. Legal notices in connection with benefits provided by us under this Plan and to notify us within ten (10) working days of any such actions taken by you. To refrain from doing anything to impair, prejudice or discharge our rights of subrogation. To fully cooperate and assist us, as is deemed necessary by us, to enforce our rights of subrogation. This obligation to assist us will apply to your legal representative. To notify us of and pay to us any amounts received by you or your legal representative to the extent of the cost of the benefits provided by us to which we are entitled because of our rights of subrogation. SECTION 4 Reimbursement Vantage Medicare Advantage ZERO Premium (HMO-POS) has the right to be reimbursed by you for any and all benefits that were paid by us that are associated with any injury or illness caused by another person or entity. This right of reimbursement will apply where we have paid benefits and you and/or your representative has been reimbursed any amounts by another person or entity or by any other source as set forth herein. Our right of reimbursement as to you is limited, however, to the extent of the actual cost of the benefits provided by us. Our right to reimbursement is secondary to your right to be made whole. SECTION 5 Lien Vantage Medicare Advantage ZERO Premium (HMO-POS), by paying any benefits under this Plan, is granted a lien on the proceeds of any settlement, judgment or other payment received by you. You hereby consent to our lien and agree to take whatever steps are necessary to assist us in securing and protecting our lien. SECTION 6 Assignment Vantage Medicare Advantage ZERO Premium (HMO-POS), by the payment of any benefits under this Plan, is granted an assignment of the proceeds of any settlement, judgment or other payment received by you to the extent of the benefits provided. By accepting benefits hereunder, you consent to our assignment and authorize and direct your attorney, personal representative or any insurance company to directly reimburse us or our designee to the extent of the cost of benefits provided. Any such assignment is effective and is binding upon your attorney, personal representative or any insurance company. SECTION 7 Participating providers subrogation rights Participating Providers have a contractual right to pursue third parties for the full recovery of the cost of the medical services rendered to you in lieu of submitting claims to Vantage Medicare

257 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 239 Chapter 11. Legal notices Advantage (HMO-POS) for payment. In such an instance, and with your written consent, Participating Providers may request appropriate information from you regarding the third parties responsible for your injury or illness, and you shall cooperate in providing this information to Participating Providers. Participating Providers who elect to pursue third parties for a recovery will not, under any circumstances, submit their claims to us for payment, but will only pursue the third parties for recovery. In such an event, and if full recovery is not made by the Participating Providers, you understand you may have a further financial responsibility to Participating Providers for the cost of medical services not recovered from the third parties. SECTION 8 Other plan rights The subrogation and reimbursement rights of Vantage Medicare Advantage ZERO Premium (HMO-POS), including the foregoing rights of assignment and lien, are applicable to any recoveries made by or on behalf of you as a result of any injuries or illnesses sustained including, but not limited to, the following sources: Payments made directly by the tortfeasor or any insurance company on behalf of the tortfeasor or any other payments on behalf of the tortfeasor. Any payments, settlements, judgment or arbitration awards paid by any insurance company under an uninsured or underinsured motorists' coverage policy, whether on behalf of you or another person. Any workers compensation award or settlement. Medical payments coverage under any automobile insurance policy. Premises or homeowner s insurance coverage including premises or homeowner s medical payments coverage. Any other payments from any other source designed or intended to compensate you for injuries sustained as a result of negligence or alleged negligence of any person or entity. Our right to recover, whether by subrogation or reimbursement, shall also apply to your dependents and minor children, whether or not adjudged incompetent or disabled, heirs, and any settlement or recovery attributable thereto. You shall not enter into any type of settlement, which reduces or excludes, or attempts to reduce or exclude, the cost of benefits provided by us. Our recovery rights shall not be defeated or impaired in any respect by an allocation of settlement proceeds exclusively to non-medical expense damages. Further, you shall not incur any expenses on behalf of us in pursuit of our rights hereunder. We shall recover the full amount of benefits provided under this Plan without regard subject to any claim of fault on the part of any Member, whether by comparative negligence or otherwise. Benefits payable by us under this Plan are secondary to any coverage under no-fault or similar insurance. In the event that you fail or refuse to comply with the terms of this Plan and this provision specifically, you shall reimburse the Plan for any and all costs and expenses including attorney fees incurred by us in enforcing our rights hereunder. In addition, your failure to comply and/or

258 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 240 Chapter 11. Legal notices assist us with our subrogation rights may result in termination of your participation in the Vantage Medicare Advantage ZERO Premium (HMO-POS) plan. SECTION 9 Notice about non-discrimination We do not discriminate based on race, color, ethnicity, national origin, religion, sex, gender, age, mental or physical disability, health status, claims experience, medical history, generic information, evidence of insurability, or geographic location. All organizations that provide Medicare Advantage Plans, like our plan, must obey Federal laws against discrimination, including Title VI of the Civil Rights Act of 1964, the Rehabilitation Act of 1973, the Age Discrimination Act of 1975, the Americans with Disabilities Act, Section 1557 of the Affordable Care Act, and all other laws that apply to organizations that get Federal funding, and any other laws and rules that apply for any other reason. SECTION 10 Notice about Medicare Secondary Payer subrogation rights We have the right and responsibility to collect for covered Medicare services for which Medicare is not the primary payer. According to CMS regulations at 42 CFR sections and , Vantage Medicare Advantage ZERO Premium (HMO-POS), as a Medicare Advantage Organization, will exercise the same rights of recovery that the Secretary exercises under CMS regulations in subparts B through D of part 411 of 42 CFR and the rules established in this section supersede any State laws. SECTION 11 Notice about communications The member will be notified by our plan of coverage termination at his/her last known address. The member is responsible for the cost of all benefits which are provided after the date of termination of coverage. Our plan will not be liable for loss of notices, communications or materials sent by our plan to members when such notices, communications or materials are properly addressed to the member s last known address, as provided to our plan. SECTION 12 Notice about affirmative statement Our plan does not compensate Medical Management nurses, Medical Directors, UR/QM Committee members, and/or any other professionals that are involved in Utilization Review decisions for denials, does not offer incentives to encourage denials, and does not encourage decisions that result in underutilization. Our plan ensures independence and impartiality in making referral decisions and attests that involvement will not influence compensation, hiring, termination, promotion or any other similar matters for the Medical Management nurses, Medical Directors, UR/QM Committee members, and/or any other professionals who are

259 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 241 Chapter 11. Legal notices involved in Utilization Review decisions in the Utilization Review process based upon the likelihood or perceived likelihood that the Medical Management nurses, Medical Directors, UR/QM Committee members, and/or any other professionals who are involved in Utilization Review decisions will support or tend to support the denial of benefits.

260 CHAPTER 12 Definitions of important words

261 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 243 Chapter 12. Definitions of important words Chapter 12. Definitions of important words Affinity Health Network (AHN) Network providers with lower cost share than the plan s standard Vantage network providers for certain specified medical services and certain mail order prescription drugs as stated in Chapters 4 and 6. Allowed Amount The amount the plan would pay (before applicable co-payments or coinsurance) to a provider for rendering a covered service/drug. Ambulatory Surgical Center An Ambulatory Surgical Center is an entity that operates exclusively for the purpose of furnishing outpatient surgical services to patients not requiring hospitalization and whose expected stay in the center does not exceed 24 hours. Appeal An appeal is something you do if you disagree with our decision to deny a request for coverage of health care services or prescription drugs or payment for services or drugs you already received. You may also make an appeal if you disagree with our decision to stop services that you are receiving. For example, you may ask for an appeal if we do not pay for a drug, item, or service you think you should be able to receive. Chapter 9 explains appeals, including the process involved in making an appeal. Balance Billing When a provider (such as a doctor or hospital) bills a patient more than the plan s allowed cost-sharing amount. As a member of Vantage Medicare Advantage ZERO Premium (HMO-POS), you only have to pay our plan s cost-sharing amounts when you get services covered by our plan from network providers. We do not allow network providers to balance bill or otherwise charge you more than the amount of cost-sharing your plan says you must pay. Benefit Period The way that both our plan and Original Medicare measures your use of hospital and skilled nursing facility (SNF) services. A benefit period begins the day you go into a hospital or skilled nursing facility. The benefit period ends when you have not received any inpatient hospital care (or skilled care in a SNF) for 60 days in a row. If you go into a hospital or a skilled nursing facility after one benefit period has ended, a new benefit period begins. There is no limit to the number of benefit periods. Brand Name Drug A prescription drug that is manufactured and sold by the pharmaceutical company that originally researched and developed the drug. Brand name drugs have the same active-ingredient formula as the generic version of the drug. However, generic drugs are manufactured and sold by other drug manufacturers and are generally not available until after the patent on the brand name drug has expired. Catastrophic Coverage Stage The stage in the Part D Drug Benefit where you pay a low copayment or coinsurance for your drugs after you or other qualified parties on your behalf have spent $4,950 in covered drugs during the covered year.

262 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 244 Chapter 12. Definitions of important words Centers for Medicare & Medicaid Services (CMS) The Federal agency that administers Medicare. Chapter 2 explains how to contact CMS. Coinsurance An amount you may be required to pay as your share of the cost for services or prescription drugs after you pay any deductibles. Coinsurance is usually a percentage (for example, 20%). Complaint - The formal name for making a complaint is filing a grievance. The complaint process is used for certain types of problems only. This includes problems related to quality of care, waiting times, and the customer service you receive. See also Grievance, in this list of definitions. Comprehensive Outpatient Rehabilitation Facility (CORF) A facility that mainly provides rehabilitation services after an illness or injury, and provides a variety of services including physical therapy, social or psychological services, respiratory therapy, occupational therapy and speech-language pathology services, and home environment evaluation services. Copayment An amount you may be required to pay as your share of the cost for a medical service or supply, like a doctor s visit, hospital outpatient visit, or a prescription drug. A copayment is a set amount, rather than a percentage. For example, you might pay $10 or $20 for a doctor s visit or prescription drug. Cost-sharing Cost-sharing refers to amounts that a member has to pay when services or drugs are received. Cost-sharing includes any combination of the following three types of payments: (1) any deductible amount a plan may impose before services or drugs are covered; (2) any fixed copayment amount that a plan requires when a specific service or drug is received; or (3) any coinsurance amount, a percentage of the total amount paid for a service or drug, that a plan requires when a specific service or drug is received. A daily cost-sharing rate may apply when your doctor prescribes less than a full month s supply of certain drugs for you and you are required to pay a copayment. Cost-Sharing Tier Every drug on the list of covered drugs is in one of five cost-sharing tiers. In general, the higher the cost-sharing tier, the higher your cost for the drug. Coverage Determination A decision about whether a drug prescribed for you is covered by the plan and the amount, if any, you are required to pay for the prescription. In general, if you bring your prescription to a pharmacy and the pharmacy tells you the prescription is not covered under your plan, that is not a coverage determination. You need to call or write to your plan to ask for a formal decision about the coverage. Coverage determinations are called coverage decisions in this booklet. Chapter 9 explains how to ask us for a coverage decision. Coverage Gap Stage - Sometimes called the "donut hole." This means that after you and your plan have spent a certain amount of money for covered drugs, the plan does not provide coverage for your drugs See Chapter 6, Section 6.1 for more information on the Coverage Gap Stage. Covered Drugs The term we use to mean all of the prescription drugs covered by our plan.

263 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 245 Chapter 12. Definitions of important words Covered Services The general term we use to mean all of the health care services and supplies that are covered by our plan. Creditable Prescription Drug Coverage Prescription drug coverage (for example, from an employer or union) that is expected to pay, on average, at least as much as Medicare s standard prescription drug coverage. People who have this kind of coverage when they become eligible for Medicare can generally keep that coverage without paying a penalty, if they decide to enroll in Medicare prescription drug coverage later. Custodial Care Custodial care is personal care provided in a nursing home, hospice, or other facility setting when you do not need skilled medical care or skilled nursing care. Custodial care is personal care that can be provided by people who do not have professional skills or training, such as help with activities of daily living like bathing, dressing, eating, getting in or out of a bed or chair, moving around, and using the bathroom. It may also include the kind of health-related care that most people do themselves, like using eye drops. Medicare does not pay for custodial care. Daily cost-sharing rate A daily cost-sharing rate may apply when your doctor prescribes less than a full month s supply of certain drugs for you and you are required to pay a copayment. A daily cost-sharing rate is the copayment divided by the number of days in a month s supply. Here is an example: If your copayment for a one-month supply of a drug is $30, and a onemonth s supply in your plan is 30 days, then your daily cost-sharing rate is $1 per day. This means you pay $1 for each day s supply when you fill your prescription. See Chapter 6, Section 5.3 for an example related specifically to Vantage Medicare Advantage ZERO Premium (HMO- POS). Deductible The amount you must pay for health care from out-of-network providers or for certain prescription drugs before our plan begins to pay. Disenroll or Disenrollment The process of ending your membership in our plan. Disenrollment may be voluntary (your own choice) or involuntary (not your own choice). Dispensing Fee A fee charged each time a covered drug is dispensed to pay for the cost of filling a prescription. The dispensing fee covers costs such as the pharmacist s time to prepare and package the prescription. Durable Medical Equipment Certain medical equipment that is ordered by your doctor for medical reasons. Examples are walkers, wheelchairs, or hospital beds. Emergency A medical emergency is when you, or any other prudent layperson with an average knowledge of health and medicine, believe that you have medical symptoms that require immediate medical attention to prevent loss of life, loss of a limb, or loss of function of a limb. The medical symptoms may be an illness, injury, severe pain, or a medical condition that is quickly getting worse.

264 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 246 Chapter 12. Definitions of important words Emergency Care Covered services that are: 1) rendered by a provider qualified to furnish emergency services; and 2) needed to treat, evaluate, or stabilize an emergency medical condition. Evidence of Coverage (EOC) and Disclosure Information This document, along with your enrollment form and any other attachments, riders, or other optional coverage selected, which explains your coverage, what we must do, your rights, and what you have to do as a member of our plan. Exception A type of coverage determination that, if approved, allows you to get a drug that is not on your plan sponsor s formulary (a formulary exception), or get a non-preferred brand drug at a lower cost-sharing level (a tiering exception). You may also request an exception if your plan sponsor requires you to try another drug before receiving the drug you are requesting, or the plan limits the quantity or dosage of the drug you are requesting (a formulary exception). Extra Help A Medicare program to help people with limited income and resources pay Medicare prescription drug program costs, such as premiums, deductibles, and coinsurance. Generic Drug A prescription drug that is approved by the Food and Drug Administration (FDA) as having the same active ingredient(s) as the brand name drug. Generally, a generic drug works the same as a brand name drug and usually costs less. Grievance - A type of complaint you make about us or one of our network providers or pharmacies, including a complaint concerning the quality of your care. This type of complaint does not involve coverage or payment disputes. Home Health Aide A home health aide provides services that do not need the skills of a licensed nurse or therapist, such as help with personal care (e.g., bathing, using the toilet, dressing, or carrying out the prescribed exercises). Home health aides do not have a nursing license or provide therapy. Home Health Care - Skilled nursing care, physical therapy, speech therapy, and continued occupational therapy are covered services for treatment of an illness or injury, in your home, if the following conditions are met: (1) your doctor has determined the need for skilled care at home and has outlined the plan of care, (2) you must be home-bound, and (3) you receive care from a Medicare-certified home health agency. Home health aide services are covered, if ordered by your physician, within the plan of care. Home health aide services must be reasonable and necessary to the treatment of the patient s illness or injury, and must coordinate with other skilled services. All home health services are for part-time, or intermittent care only and do not include housekeeping, food service, or full-time nursing care. Hospice - An enrollee who has 6 months or less to live has the right to elect hospice. We, your plan, must provide you with a list of hospices in your geographic area. If you elect hospice and continue to pay premiums you are still a member of our plan. You can still obtain all medically necessary services as well as the supplemental benefits we offer. The hospice will provide special treatment for your state.

265 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 247 Chapter 12. Definitions of important words Hospice Care - A special way of caring for people who are terminally ill and providing counseling for their families. Hospice care is physical care and counseling that is given by a team of people who are part of a Medicare-certified public agency or private company. Depending on the situation, this care may be given in the home, a hospice facility, a hospital, or a nursing home. Care from a hospice is meant to help patients in the last months of life by giving comfort and relief from pain. The focus is on care, not cure. For more information on hospice care, visit to view or download the publication Medicare Hospice Benefits. Or, call MEDICARE ( TTY users should call ). Hospital Inpatient Stay A hospital stay when you have been formally admitted to the hospital for skilled medical services. Even if you stay in the hospital overnight, you might still be considered an outpatient. Income Related Monthly Adjustment Amount (IRMAA) If your income is above a certain limit, you will pay an income-related monthly adjustment amount in addition to your plan premium. For example, individuals with income greater than $85,000 and married couples with income greater than $170,000 must pay a higher Medicare Part B (medical insurance) and Medicare prescription drug coverage premium amount. This additional amount is called the income-related monthly adjustment amount. Less than 5 percent of people with Medicare are affected, so most people will not pay a higher premium. Initial Coverage Limit The maximum limit of coverage under the Initial Coverage Stage. Initial Coverage Stage This is the stage before your total drug costs including amounts you have paid and what your plan has paid on your behalf for the year have reached $3,700. Initial Enrollment Period When you are first eligible for Medicare, the period of time when you can sign up for Medicare Part A and Part B. For example, if you are eligible for Medicare when you turn 65, your Initial Enrollment Period is the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. For OGB-sponsored Medicare Advantage plans, your Initial Enrollment Period is 30 days after aging into Medicare. Late Enrollment Penalty An amount for Medicare drug coverage if you go without creditable coverage (coverage that is expected to pay, on average, at least as much as standard Medicare prescription drug coverage) for a continuous period of 63 days or more. You pay this higher amount as long as you have a Medicare drug plan. There are some exceptions. For example, if you receive Extra Help from Medicare to pay your prescription drug plan costs, you will not pay a late enrollment penalty. Lifetime Reserve Days - In the Original Medicare Plan and our plan, a total of 60 extra days that Medicare or our plan will pay for when you are in a hospital more than 90 days during a benefit period. Once these 60 reserve days are used, you do not get any extra days during your lifetime.

266 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 248 Chapter 12. Definitions of important words List of Covered Drugs (Formulary or Drug List ) A list of prescription drugs covered by the plan. The drugs on this list are selected by the plan with the help of doctors and pharmacists. The list includes both brand name and generic drugs. Low Income Subsidy (LIS) See Extra Help. Maximum Out-of-Pocket Amount The most that you pay out-of-pocket during the calendar year for in-network covered Part A and Part B services. Amounts you pay for your plan premiums, Medicare Part A and Part B premiums, and prescription drugs do not count toward the maximum out-of-pocket amount. See Chapter 4, Section 1.3 for information about your maximum out-of-pocket amount. There is no maximum out-of-pocket for out-of-network (POS) services. Medicaid (or Medical Assistance) A joint Federal and state program that helps with medical costs for some people with low incomes and limited resources. Medicaid programs vary from state to state, but most health care costs are covered if you qualify for both Medicare and Medicaid. See Chapter 2, Section 6 for information about how to contact Medicaid in your state. Medical Emergency See Emergency. Medical Home - Primary Care Provider (MH-PCP) Your medical home - primary care provider is the doctor or other provider you should see first for most health problems. He or she makes sure you get the care you need to keep you healthy. He or she also may talk with other doctors and health care providers about your care and refer you to them. This plan has the Affinity Health Network (AHN) in addition to the standard Vantage network. Your copayments for AHN MH-PCP covered services are lower. See Chapter 3, Section 2.1 for information about Medical Home - Primary Care Providers. Medically Accepted Indication A use of a drug that is either approved by the Food and Drug Administration or supported by certain reference books. See Chapter 5, Section 3 for more information about a medically accepted indication. Medically Necessary Services, supplies, or drugs that are needed for the prevention, diagnosis, or treatment of your medical condition and meet accepted standards of medical practice. Medicare The Federal health insurance program for people 65 years of age or older, some people under age 65 with certain disabilities, and people with End-Stage Renal Disease (generally those with permanent kidney failure who need dialysis or a kidney transplant). People with Medicare can get their Medicare health coverage through Original Medicare a Medicare Cost Plan, a PACE plan, or a Medicare Advantage Plan. Medicare Advantage Disenrollment Period A set time each year when members in a Medicare Advantage plan can cancel their plan enrollment and switch to Original Medicare. The Medicare Advantage Disenrollment Period is from January 1 until February 14, 2017.

267 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 249 Chapter 12. Definitions of important words Medicare Advantage (MA) Plan Sometimes called Medicare Part C. A plan offered by a private company that contracts with Medicare to provide you with all your Medicare Part A and Part B benefits. A Medicare Advantage Plan can be an HMO, HMO-POS, PPO, a Private Feefor-Service (PFFS) plan, or a Medicare Medical Savings Account (MSA) plan. When you are enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan, and are not paid for under Original Medicare. In most cases, Medicare Advantage Plans also offer Medicare Part D (prescription drug coverage). These plans are called Medicare Advantage Plans with Prescription Drug Coverage. Everyone who has Medicare Part A and Part B is eligible to join any Medicare health plan that is offered in their area, except people with End- Stage Renal Disease (unless certain exceptions apply). Medicare Annual Enrollment Period A set time each fall when members can change their health or drugs plans or switch to Original Medicare. The Medicare Annual Enrollment Period is from October 15 until December 7. Medicare Cost Plan A Medicare Cost Plan is a plan operated by a Health Maintenance Organization (HMO) or Competitive Medical Plan (CMP) in accordance with a cost-reimbursed contract under section 1876(h) of the Act. Medicare Coverage Gap Discount Program A program that provides discounts on most covered Part D brand name drugs to Part D enrollees who have reached the Coverage Gap Stage and who are not already receiving Extra Help. Discounts are based on agreements between the Federal government and certain drug manufacturers. For this reason, most, but not all, brand name drugs are discounted. Medicare-Covered Services Services covered by Medicare Part A and Part B. All Medicare health plans, including our plan, must cover all of the services that are covered by Medicare Part A and B. Medicare Health Plan A Medicare health plan is offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in the plan. This term includes all Medicare Advantage Plans, Medicare Cost Plans, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE). Medicare Prescription Drug Coverage (Medicare Part D) Insurance to help pay for outpatient prescription drugs, vaccines, biologicals, and some supplies not covered by Medicare Part A or Part B. Medigap (Medicare Supplement Insurance) Policy Medicare supplement insurance sold by private insurance companies to fill gaps in Original Medicare. Medigap policies only work with Original Medicare. (A Medicare Advantage Plan is not a Medigap policy.) Member (Member of our Plan, or Plan Member ) A person with Medicare who is eligible to get covered services, who has enrolled in our plan, and whose enrollment has been confirmed by the Centers for Medicare & Medicaid Services (CMS).

268 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 250 Chapter 12. Definitions of important words Member Services A department within our plan responsible for answering your questions about your membership, benefits, grievances, and appeals. See Chapter 2 for information about how to contact Member Services. Network A network consists of facilities, physicians, other healthcare professionals, pharmacies, and suppliers our plan has contracted with to provide health care services. See Chapter 1, Section 1.1 and Section 3.2 for information about networks. Network Pharmacy A network pharmacy is a pharmacy where members of our plan can get their prescription drug benefits. We call them network pharmacies because they contract with our plan. In most cases, your prescriptions are covered only if they are filled at one of our network pharmacies. Network Provider Provider is the general term we use for doctors, other health care professionals, hospitals, and other health care facilities that are licensed or certified by Medicare and by the State to provide health care services. We call them network providers when they have an agreement with our plan to accept our payment as payment in full, and in some cases to coordinate as well as provide covered services to members of our plan. Our plan pays network providers based on the agreements it has with the providers or if the providers agree to provide you with plan-covered services. Network providers may also be referred to as plan providers. See also Affinity Health Network and Standard Network definitions. Organization Determination The Medicare Advantage plan has made an organization determination when it makes a decision about whether items or services are covered or how much you have to pay for covered items or services. The Medicare Advantage plan s network provider or facility has also made an organization determination when it provides you with an item or service, or refers you to an out-of-network provider for an item or service. Organization determinations are called coverage decisions in this booklet. Chapter 9 explains how to ask us for a coverage decision. Original Medicare ( Traditional Medicare or Fee-for-service Medicare) Original Medicare is offered by the government, and not a private health plan like Medicare Advantage Plans and prescription drug plans. Under Original Medicare, Medicare services are covered by paying doctors, hospitals, and other health care providers payment amounts established by Congress. You can see any doctor, hospital, or other health care provider that accepts Medicare. You must pay the deductible. Medicare pays its share of the Medicare-approved amount, and you pay your share. Original Medicare has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance) and is available everywhere in the United States. Out-of-Network Pharmacy A pharmacy that does not have a contract with our plan to coordinate or provide covered drugs to members of our plan. As explained in this Evidence of Coverage, most drugs you get from out-of-network pharmacies are not covered by our plan unless certain conditions apply.

269 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 251 Chapter 12. Definitions of important words Out-of-Network Provider or Out-of-Network Facility A provider or facility with which we have not arranged to coordinate or provide covered services to members of our plan. Out-ofnetwork providers are providers that are not employed, owned, or operated by our plan or are not under contract to deliver covered services to you. Using out-of-network providers or facilities is explained in this booklet in Chapter 3. Out-of-Pocket Costs See the definition for cost-sharing above. A member s cost-sharing requirement to pay for a portion of services or drugs received is also referred to as the member s out-of-pocket cost requirement. Out-of-Pocket Maximum see Maximum Out-of-Pocket Amount. PACE plan A PACE (Program of All-Inclusive Care for the Elderly) plan combines medical, social, and long-term care (LTC) services for frail people to help people stay independent and living in their community (instead of moving to a nursing home) as long as possible, while getting the high-quality care they need. People enrolled in PACE plans receive both their Medicare and Medicaid benefits through the plan. Part C see Medicare Advantage (MA) Plan. Part D The voluntary Medicare Prescription Drug Benefit Program. (For ease of reference, we will refer to the prescription drug benefit program as Part D.) Part D Drugs Drugs that can be covered under Part D. We may or may not offer all Part D drugs. (See your formulary for a specific list of covered drugs.) Certain categories of drugs were specifically excluded by Congress from being covered as Part D drugs. Point of Service (POS) - An HMO option that lets a member use out-of-network providers for an additional cost. See Chapter 1, Sections 1.1 and 3.2 and Chapter 3, Section 2.4 for additional information. This plan covers POS benefits up to a maximum of $5,000. Preferred Cost-sharing Preferred cost-sharing means lower cost-sharing for certain mail order Part D drugs at a preferred mail order pharmacy (Saint John Pharmacy). See Chapter 5, Section 2.3 for additional information. Preferred Provider Organization (PPO) Plan A Preferred Provider Organization plan is a Medicare Advantage Plan that has a network of contracted providers that have agreed to treat plan members for a specified payment amount. A PPO plan must cover all plan benefits whether they are received from network or out-of-network providers. Member cost-sharing will generally be higher when plan benefits are received from out-of-network providers. PPO plans have an annual limit on your out-of-pocket costs for services received from network (preferred) providers and a higher limit on your total combined out-of-pocket costs for services from both network (preferred) and out-of-network (non-preferred) providers. Premium The periodic payment to Medicare, an insurance company, or a health care plan for health or prescription drug coverage.

270 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 252 Chapter 12. Definitions of important words Prescription Drug Benefit Manager An entity that provides pharmacy benefit management services, which may include contracting with a network of pharmacies; establishing payment levels for network pharmacies; negotiating rebate arrangements; aiding in the development and management of formularies, preferred drug lists, and prior authorization programs; maintaining patient compliance programs; performing drug utilization review; and operating disease management programs. Primary Care Provider (PCP) See Medical Home Primary Care Provider (MH-PCP). Prior Authorization Approval in advance to get medical services or certain drugs that may or may not be on our formulary. Some in-network medical services are covered only if your doctor or other network provider gets prior authorization from our plan. Covered services that need prior authorization are marked in the Benefits Chart in Chapter 4 with a footnote designated by (1). Some drugs are covered only if your doctor or other network provider gets prior authorization from us. Covered drugs that need prior authorization are marked in the formulary. Prosthetics and Orthotics These are medical devices ordered by your doctor or other health care provider. Covered items include, but are not limited to, arm, back and neck braces; artificial limbs; artificial eyes; and devices needed to replace an internal body part or function, including ostomy supplies and enteral and parenteral nutrition therapy. Providers Doctors and other health care professionals that the state licenses to provide medical services and care. It also includes hospitals, other health care facilities, pharmacies, and ancillary services. Quality Improvement Organization (QIO) A group of practicing doctors and other health care experts paid by the Federal government to check and improve the care given to Medicare patients. See Chapter 2, Section 4 for information about how to contact the QIO for your state. Quantity Limits A management tool that is designed to limit the use of selected drugs for quality, safety, or utilization reasons. Limits may be on the amount of the drug that we cover per prescription or for a defined period of time. Rehabilitation Services These services include physical therapy, speech and language therapy, and occupational therapy. Service Area A geographic area where a health plan accepts members if it limits membership based on where people live. For plans that limit which doctors and hospitals you may use, it is also generally the area where you can get routine (non-emergency) services. The plan may disenroll you if you permanently move out of the plan s service area. Skilled Nursing Facility (SNF) Care Skilled nursing care and rehabilitation services provided on a continuous, daily basis, in a skilled nursing facility. Examples of skilled nursing facility care include physical therapy or intravenous injections that can only be given by a registered nurse or doctor.

271 2017 Evidence of Coverage for Vantage Medicare Advantage ZERO Premium (HMO-POS) 253 Chapter 12. Definitions of important words Special Enrollment Period A set time when members can change their health or drugs plans or return to Original Medicare. Situations in which you may be eligible for a Special Enrollment Period include: if you move outside the service area, if you are getting Extra Help with your prescription drug costs, if you move into a nursing home, or if we violate our contract with you. Standard Cost-sharing Standard cost-sharing is prescription drug cost-sharing other than preferred cost-sharing offered at a network preferred mail-order pharmacy. Standard Network Network providers other than the Affinity Health Network providers. Step Therapy A utilization tool that requires you to first try another drug to treat your medical condition before we will cover the drug your physician may have initially prescribed. Subrogation Subrogation means Vantage can regain by legal action, if necessary, the cost of benefits paid by Vantage from any person or entity against whom the member may have a claim. Supplemental Security Income (SSI) A monthly benefit paid by Social Security to people with limited income and resources who are disabled, blind, or age 65 and older. SSI benefits are not the same as Social Security benefits. Urgently Needed Services Urgently needed services are care provided to treat a nonemergency, unforeseen medical illness, injury, or condition that requires immediate medical care. Urgently needed services may be furnished by network providers or by out-of-network providers when network providers are temporarily unavailable or inaccessible.

272 Discrimination is Against the Law Vantage complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Vantage does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. Vantage: Provides free aids and services to people with disabilities to communicate effectively with us, such as: Qualified sign language interpreters Written information in other formats (large print, audio, accessible electronic formats, other formats) Provides free language services to people whose primary language is not English, such as: Qualified interpreters Information written in other languages If you need these services, contact Robert J. Bozeman, Vantage s Civil Rights Coordinator, who is also Vantage s General Counsel. If you believe that Vantage has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Robert J. Bozeman, General Counsel of Vantage, 130 DeSiard Street, Suite 300, Monroe, Louisiana 71291, (318) , TTY (866) , Fax (318) , rbozeman@vhpla.com. You can file a grievance in person or by mail, fax, or . If you need help filing a grievance, Robert J. Bozeman is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW., Room 509F, HHH Building, Washington, DC 20201, , (TDD). Complaint forms are available at

273 Discrimination Grievance Procedure It is the policy of Vantage not to discriminate on the basis of race, color, national origin, sex, age or disability. Vantage has adopted an internal grievance procedure providing for prompt and equitable resolution of complaints alleging any action prohibited by Section 1557 of the Affordable Care Act (42 U.S.C ) and its implementing regulations at 45 CFR part 92, issued by the U.S. Department of Health and Human Services. Section 1557 prohibits discrimination on the basis of race, color, national origin, sex, age or disability in certain health programs and activities. Section 1557 and its implementing regulations may be examined in the office of Robert J. Bozeman, General Counsel of Vantage, 130 DeSiard Street, Suite 300, Monroe, Louisiana 71291, (318) , TTY (866) , Fax (318) , who has been designated to coordinate the efforts of Vantage to comply with Section Any person who believes someone has been subjected to discrimination on the basis of race, color, national origin, sex, age or disability may file a grievance under this procedure. It is against the law for Vantage to retaliate against anyone who opposes discrimination, files a grievance, or participates in the investigation of a grievance. Procedure: Grievances must be submitted to the Section 1557 Coordinator, Vantage s General Counsel Robert J. Bozeman, within (60 days) of the date the person filing the grievance becomes aware of the alleged discriminatory action. A complaint must be in writing, containing the name and address of the person filing it. The complaint must state the problem or action alleged to be discriminatory and the remedy or relief sought. The Section 1557 Coordinator (or his designee) shall conduct an investigation of the complaint. This investigation may be informal, but it will be thorough, affording all interested persons an opportunity to submit evidence relevant to the complaint. The Section 1557 Coordinator will maintain the files and records of Vantage relating to such grievances. To the extent possible, and in accordance with applicable law, the Section 1557 Coordinator will take appropriate steps to preserve the confidentiality of files and records relating to grievances and will share them only with those who have a need to know. The Section 1557 Coordinator will issue a written decision on the grievance, based on a preponderance of the evidence, no later than 30 days after its filing, including a notice to the complainant of their right to pursue further administrative or legal remedies. The person filing the grievance may appeal the decision of the Section 1557 Coordinator by writing to Vantage s CEO within 15 days of receiving the Section 1557 Coordinator's